How We Do It – Our Process

Financial Planning takes the guesswork out of managing your finances and helps you understand the implications of each financial decision you make. In many ways, financial planning is largely like Preventative Care; it allows certain events to be thoughtfully addressed in advance to help determine an optimal course of action. Unlike tax returns, which record history, a well-crafted plan is forward looking and adaptable.

By what process is this accomplished? We adhere to the financial planning process from the Certified Financial Planner Board.


1. Agree on how to work together. The first step is to conduct an informational meeting. This meeting gives all parties a stress-free environment in which to learn why if a financial plan can meet their needs. This is also an opportunity to learn about our experience, education, and philosophy on wealth.

2. Gather information about your finances and set goals. A second meeting is used to formally initiate the planning process with the signing of an advisory engagement. This is also the foundation meeting – where we talk about your life, goals, and how you see things panning out.

3. Analyze and strategize (a two-step process).

  • Once we have all of the required information, it is now the time to run it through our extensive internal process. If we were in the food business, this would be the recipe for the “secret sauce”.
  • The result is a printed financial plan covering all of the agreed upon topics. When people think of a financial plan, this 100+ page document is what typically comes to mind.

4. Develop Recommendations. Here, we go over our recommendations with accompanying rationale. This is also where we address any questions and revise the plan/recommendations if necessary.


Put plan into motion 2. Only when the plan begins its implementation phase does it take on a new form. Because of this, we view this step as “breathing life” to your plan. We will mutually agree on which recommendations will be acted upon and what party is responsible. We may carry out the recommendations or serves as a coach, coordinating with you and other professionals, such as attorneys or investment advisors.

The client is free to implement the plan with whomever he/she chooses.

Monitor progress and stay on track 3. Roell Capital Management’s philosophy is that financial planning at the core, is not a one-time endeavor. Our expectation is that as our client, you will work with us to create and maintain a financial plan. This requires regular, scheduled meetings. We place benchmarks with all of our clients at the 4 month, 8 month, and 12 month mark. These benchmarks provide an opportunity for us to discuss what we’ve done, where we are, what may be next, and any changes or evolutions we should be aware of.

1 – The producer’s relationship with the client during post-plan delivery is as a registered representative and not as a fee-based financial planner.
2 – The client is free to implement the plan recommendations with whomever he or she chooses.
3 – Periodic reviews or updates require new agreement and may be subject to additional fees.