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Know where you stand
Could you sit down right now and lay out your entire financial life on one page? Almost nobody can. Accounts accumulate across jobs and decades, policies get filed away, and the full picture never quite gets assembled. Which means every financial decision gets made with partial information.
That is why every Genesis plan starts here: with a complete and honest picture of where you are today. Not a vague sense that things are probably fine. A real accounting of what you have, what condition it is in, and what you want it to accomplish.
We listen before we advise. We understand before we recommend. The quality of everything downstream depends on this stage, so we do not rush it.
Know
What we work to understand
The people behind the money
Your family, the people you support, your values, your goals, your concerns, and what financial success actually means to you.
Your financial condition
Income, expenses, cash flow, savings, debt, real estate, retirement accounts, pensions, Social Security, and business interests.
Your investments
How your current portfolio is positioned: allocation, risk, concentration, fees, and performance.
Your protection
Life, disability, and long-term care insurance, property and liability coverage, and emergency reserves.
Your estate
Wills, trusts, powers of attorney, healthcare directives, beneficiary designations, and account titling.
Your taxes
Your bracket, capital gains exposure, retirement account taxation, and any strategies already in place.
Know
What this looks like in practice
The Know stage is the focus of your first meeting, a discovery conversation of about an hour. Where it helps, we use professional tools such as Nitrogen risk analysis and Morningstar portfolio analysis to turn statements and documents into a clear picture. Most clients tell us it is the first time they have ever seen their full financial life in one place.
And if your picture feels thin right now, that is fine. There is no minimum to start, and a young financial life deserves a clear plan just as much as a complicated one. This meeting is about diagnosis rather than prescription. We are gathering what we need to build your Stewardship Blueprint, which we present at your second meeting.
Next stage: Protect
