We begin the planning process with an elaborate fact-finding meeting. The purpose of this time together is to help us gain the clearest possible understanding of your current financial picture. From there, we ask a series of questions intentionally designed to help us learn more about your outlook on finances and your long-term goals as it relates to your career, retirement, assets and liabilities, family life and all other aspects of your financial livelihood. This meeting often lasts several hours and can be held virtually or in our offices. 

At this point, you’ve helped us gain a clear understanding of your current financial picture and your dreams for the future. This is where our team goes to work to draft and develop a customized plan taking into account all we’ve learned about you and your family thus far. We utilize an exhaustive internal process to cover a comprehensive list of focus areas as well as running simulations for a variety of unforeseen scenarios. 

After several weeks of planning and refining, we’ll reconvene to review the plan. Unless otherwise specified, our plans incorporate strategies for retirement planning, tax planning, insurance optimization, investment management and asset allocation, passive income and any other areas of focus we may have uncovered during the Discovery Meeting. 

From here we ask you to simply think about the strategies we’ve presented and consider whether you’d like us to implement them on your behalf. We are seeking long-term relationships that resonate with our approach and are seeking to delegate their financial planning and investment management. 

Cushing Capital will act solely in our capacity as a registered investment adviser and does not provide any legal, accounting or tax advice. You should seek the counsel of a qualified accountant and/or attorney when necessary.

Congratulations! You’re now a client of Cushing Capital Partners. This kicks off our onboarding process where we establish accounts, get you enrolled in online access and our customized client portal, and begin to execute on the series of actionable items presented in the financial plan.

*Implementation of financial planning recommendations is entirely at your discretion. You have complete freedom in selecting a financial adviser to assist you with implementing the recommendations made in your financial plan and are under no obligation to act on the advice of Cushing Capital Partners.

Cushing Capital Partners will act solely in our capacity as a registered investment adviser and does not provide any legal, accounting or tax advice. You should seek the counsel of a qualified accountant and/or attorney when necessary.

Our financial planning process is just that, a process. Our initial planning work is based upon our most reasonable assumptions of what the future will hold. Of course, none of us knows what the future will look like, which is why the ongoing monitoring and refining of the plan is equally as important as establishing the plan. A financial plan is a living document that will inevitably need to be altered over time. We make ourselves available throughout the year for regular reviews.