A disciplined four-step process for evaluating financial decisions — whether we’re reviewing one policy or agreement, designing a new strategy, or looking across your broader financial picture. We clarify what matters, analyze what’s already in place, identify strategies and trade‑offs, and help put the right decisions into action.
Policies bought a decade ago, agreements signed and filed away, strategies designed for a life you’ve since outgrown. The CORE Process is a disciplined second look at what’s working, where costs, gaps or risks may be hiding, and what to do next. No sales pitch. Just clarity.
The CORE Process™ is how every engagement runs, whether the question is one policy or your whole financial picture. Four steps, in order, every time — so nothing is decided in isolation and nothing is left unexamined.
From complexity to clarity — and from clarity to action.
Gather the facts and ask the right questions — a clear picture of what's beneath the surface.
Structure, economics, risks, assumptions and performance put under analysis — using analytical tools and benchmarks to uncover gaps and exposures.
Clear findings and specialized strategies — with scenarios, so you see the impact of every choice.
We walk you through it and coordinate with your other advisors so every decision aligns.
We start by listening. Your goals, your concerns, the documents you've collected, and the advisors already in your corner — all on the table, so nothing important gets missed.
We look at: objectives & timeline, existing policies and agreements, current advisors, and the questions keeping you up at night.
Then we put the details to work — using analytical tools and benchmarks to uncover costs, gaps, risks and exposures that can be difficult to see on the surface.
We look at: fees and internal costs, coverage and funding gaps, tax exposure, and how each piece interacts with the rest.
We walk you through what we found — scenarios, specialized strategies and resources, and the trade‑offs of each, in language you can actually act on. Sometimes that’s a written summary, sometimes a working session. Either way, the decision stays yours.
You receive: a plain-English summary, side-by-side scenarios, and a prioritized list of what to do — and what can wait.
Recommendations only matter when they’re implemented. We walk you through the findings, answer every question, and coordinate directly with your CPA, attorney, and other advisors so the plan moves as one.
We handle: advisor coordination, implementation steps, and a clear owner and timeline for each action.
The process is the same either way — a focused second look at something you already own, or a full read across your financial picture.
Existing policies examined for performance, costs, assumptions and funding — and whether they still do what they were bought to do.
Benefits, guarantees, riders, costs and surrender provisions in plain English, alongside the alternatives worth comparing.
Whether the valuation approach and the funding still work together as intended — the economics, with your attorney on the language.
When the question runs past one policy or agreement, the same process applies across business, estate, tax, insurance and wealth transfer decisions.
If you’re building, protecting or transferring significant wealth, the CORE Process gives you a clear, disciplined read on exactly where you stand. If you’re a CPA, attorney, financial advisor or other professional partner, it brings specialized planning expertise, strategies and resources alongside the work you already do.
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Clear findings, clear choices, clear next steps. What we found, the scenarios we ran, the strategies and options we identify — and a prioritized path forward: what needs attention, in what order, and who does what next.
A short, private conversation to see where the CORE Process would begin for you — and whether our expertise can help.
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