Financial Planning Services
We offer comprehensive financial planning services to help bring direction and meaning to financial decisions. Our approach to financial planning is based on principles of Biblical wisdom to help clients address current needs and future goals, and to be strategic about their use of time, talent, and treasure. For the faithful steward, planning from a Biblical perspective helps align faith and financial strategy by translating those values into specific goals.
All of the advice we give flows from a biblical worldview, believing that God owns it all, and that we are called to be good stewards -- or managers -- of whatever resources are entrusted to us.
The CFP Board's Standards of Professional Conduct define financial planning as “the process of determining whether and how an individual can meet life goals through the proper management of financial resources. Financial planning integrates the financial planning process with the financial planning subject areas.”
- Establishing and defining the client-planner relationship
- Gathering client data including goals
- Analyzing and evaluating the client’s current financial status
- Developing and presenting recommendations and/or alternatives
- Implementing the recommendations
- Monitoring the recommendations
We will review your financial goals, estate planning needs, retirement plans, investment portfolios, insurance, and income tax strategy and make recommendations based on a thorough analysis. We seek to help clients make wise decisions by serving as a facilitator in the goal-setting and decision-making process. By making wise financial decisions, clients may bring balance into their lives and allocate more time for what is most important to them.
We also seek to help clients be intentional about the legacy they want to create and to help clients move from success to significance. Other value-added services include personal mission statement development and survivor spouse strategies.
Have you considered your values in your investment choices? Our approach to wealth management is rooted in Biblical principles, which include strategies for prudent spending, saving, and investing. We strive to be faithful stewards of the resources entrusted to us, and specialize in helping clients align investment strategy with faith values through Biblically Responsible Investing (BRI), also known as Faith-Based Investing.
LORAN GRAHAM Co. is committed to excellence in Biblically Responsible Investing.
In the managing of your investments, our philosophy is to aim for the best returns for our clients— based on each client’s individual needs, risk tolerance, and objectives—while also seeking to make a positive impact in the world. Our approach through BRI aims to build a portfolio of investments that are compatible with biblical values and that are a blessing to others, while at the same time avoiding investment in companies that cause harm to others or whose products and services run contrary to biblical values.
We offer fee-based portfolios based on a multi-manager approach, asset allocation with broad diversification, and regular rebalancing to help you address your future needs and goals. Follow the related links below to learn more about our investment philosophy and BRI.
With BRI, the return may be lower than if the adviser made decisions based solely on other investment considerations, but it may also be higher.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect market risk.
No strategy assures success or protects against loss.