Our Planning Process

Rely On Wheeler Financial

Wheeler Financial serves as your partner to assist in managing the complexities of your financial life.  We take great pride in approaching your financial plan holistically, in order to develop a plan that aligns with your goals and aspirations now and in the future.

Do you have any of these questions?

  • Am I on track to retire on-time?
  • Can I afford that?
  • Am I invested properly?
  • What are the risks in my financial plan, and how am I positioned to address them?
  • How could my financial plan be affected in different market conditions?
  • When should I collect Social Security?
  • Should I have life insurance? If so, how much?
  • What am I not thinking about that I should be considering regarding my finances?

Wouldn’t it be nice to have the answers? We can help.

Our “LIVE” Financial Planning Process is designed to help you find clarity around these questions.


We do a thorough evaluation of your current financial standing. This includes taking inventory of your income, expenses, assets and liabilities.


During this stage, our primary focus is getting to know you and understanding how we can best make a difference. This includes a thorough analysis of your long and short-term goals and your overall feelings on money. Additionally, we will complete an exercise to give both of us a better idea of your risk tolerance around investing.


Using sophisticated financial planning software, we can model any number of purchases, risks, concerns, market conditions, etc. and show you how each may affect your overall financial picture. Together, we create a plan for working together in an effort to achieve your goals.


This stage begins by completing your Financial Guidebook which becomes your go-to reference guide for your financial life. This will outline the important actions to be taken as we seek to help you meet your goals. As we transition to investing, the cash flow data from our planning feeds into our investment management process. Click here to see how your plan feeds our investment management process.


Getting Started with Wheeler Financial

Discovery Phase

If you are thinking about becoming a client, this is the meeting to “kick the tires.” Step 1 and 2 of our planning process are covered, and there is no charge for this meeting. This meeting generally takes 60 – 90 minutes.

Planning Phase

If you decide we have the right fit, this is where we take a deep dive into your financial planning and complete the final two steps of our initial planning process. Using sophisticated financial planning software, we can model your financial situation under a variety of different circumstances. With accurate data, you can feel more confident in the choices you make. Using Riskalyze™, we get a better understanding of how you behave as an investor, and we apply this to your portfolio.

Implementation Phase

Once your accounts have been established and funded, we meet again to implement the investment strategy we developed. Also, during this meeting, we ensure onboarding is going smoothly and you are comfortable using the resources available to you.

As a Client

Here are some of the things you will receive as a client of Wheeler Financial:

  • Our team will be in contact with you throughout the year. You will have clarity on when and how you will hear from us.
  • Our investment strategy is clearly communicated up-front and during your reviews.
  • You will be invited to attend our “Lunch with Jay” client events. A few examples of these events are:
    • “Considerations Around Selecting a Retirement Community”
    • “How to Have a Successful Financial Relationship with Your Adult Children”
    • “How to Have a Successful Home Remodeling Project”
    • A Timely Webinar Series As Many Struggled to Manage the Financial Uncertainty Caused by Covid-19.
  • Everplans™- You will receive a subscription to Everplans™, a premium estate planning management software as part of your Financial Plan.
  • When major market events happen, we take special care to manage the financial and emotional effects of market volatility. We have a market volatility process that ensures you will have clear and frequent communication from us during difficult times.

Interested in Developing a Financial Plan?

Contact us to learn more about our financial planning process and the value we can bring to your financial future!