Our Process

Our Step-by-Step Planning Approach

The Benefit to You

We eliminate confusion by implementing our step-by-step process and communicate every step of the way.

We build trust and confidence by creating effective and personalized retirement, investment and insurance plans.  Everyone's situation is unique to them; you deserve a plan that is built unique to you.

We work to provide exceptional value with a long-term planning strategy that suits your needs.

 Process ENG 6


Here's How it Works

Step 1 – Initial Meeting

We gain an in-depth understanding of your personal situation, learn about your financial goals objectives, and help you become familiar with us and our process.

Step 2 – Preparing Personalized Financial Plan

We gather all of your relevant statements, and document then, analyze the information and prepare your Personalized Financial Plan.

Through this comprehensive information gathering, analysis and evaluation process we can provide you with a truly unique plan.

Step 3 – Presenting Personalized Financial Plan

During this face to face meeting, we present our recommendations and your Personalized Financial Plan. We explain all of the recommendations and ensure that they are consistent with your financial and life objectives. 

We then provide you with a package enclosing the details of your plan and our recommendations for you to review.

Step 4 – Implementing Personalized Financial Plan

We review the plan and answer any questions you may have.

Once we are ready, we complete all the paperwork necessary to implement the plan and communicate with you once everything has been set up.

Step 5 – Ongoing Communication

We hold regular plan reviews face to face, online or by telephone depending on your preference.

We also keep you informed through a quarterly newsletter, educational materials and regular personal contact throughout the year.  No matter what questions you may have, we will be available to find an answer.


Fernandes Financial Inc. is an outside business activity that may offer non-securities-related financial planning services.  Any specific investment recommendations provided by this group must be done through Assante Financial Management Ltd. ("Assante"), a registered mutual fund dealer.  Although Assante is not responsible for any service or product supplied through Fernandes Financial Inc, Assante will monitor for conflicts of interest, and investigate any client complaints related to services offered by Fernandes Financial Inc.  Insurance products and services are provided through Fernandes Financial Inc.