InSight-Full® Personal Financial Plan
The InSight-Full® Planning Process
InSight-Full® is our proprietary planning framework—built to redefine how clients think about financial planning. Traditional advice often centers on chasing performance or comparing quarterly returns. We take a different approach.
Our focus isn’t the short-term movement of a portfolio, but the long-term creation of sustainable, controllable cash flow—the kind that can reliably replace employment income and sustain your lifestyle through retirement.
We don’t limit ourselves to any single investment vehicle or product line. Instead, we design strategies across all asset classes, aligning opportunity with purpose. Every recommendation balances growth potential with thoughtful risk management.
At InSight, we’re not selling investments—we’re building investors. Our process keeps one eye on return and the other on risk, so your financial life moves forward with clarity, flexibility, and confidence.
We focus on establishing Financial Plan with a complete understanding of our clients goals by going through a goal planning session.
This includes determining your lifestyle in retirement, education you want to see paid for, funding charities you care about, or any other commitments you want to make to yourself or your family. Then we crystallize those goals further by doing routine deep dives into the below topics (See our cadence here).
Investment Management
Risk Management
Tax Planning and Mitigation
Insurance
Debt
Estate and Legacy Planning
By expanding the universe of investment options, and focusing on a client’s cash flow over their lifetime, and putting into place a plan that controls the controllable clients, they find success over the long term. Our process puts all these things into the financial goals you have for your family.
InSight-full® Planning includes the entire suite of financial planning services and with your dedicated CFP® professional, you will cover investment management, risk management, tax planning and mitigation, insurance, debt and estate and legacy planning. InSight-Full® is a complete picture of your financial world today, and a map for where you want to go and our cadence keeps you on track and in communication with your planner.
InSight-Full® Cadence
The InSight Planning Process: Coaching, Cadence, and Confidence
Creating a successful plan is only part of the equation—the real value lies in cultivating it over time. At InSight, we don’t hand clients a plan and walk away; we coach, refine, and measure progress through a deliberate cadence designed to keep your financial life aligned with your goals.
We’ve developed a six-point process that gives clients meaningful, recurring touchpoints with their CFP® Professionals. Each interaction reinforces the connection between strategy and results—helping confirm that your plan is not only on track, but adapting as life evolves.
Together, these six pillars form the foundation of financial clarity. Our cadence of reviews, updates, and conversations ensures your plan evolves alongside your life—whether you’re growing a business, planning retirement, or managing generational wealth.
At InSight, we don’t just plan for success; we stay in motion with you, coaching and recalibrating each step to keep your goals within reach.
Required Rate (January)
Required Rate of Return: Knowing the Number That Drives Your Plan
At InSight, we help clients identify their required rate of return—the specific growth rate their portfolio must achieve to meet long-term goals without taking unnecessary risk. It’s one of the most important numbers in financial planning, yet often the least understood.
By aligning projected savings, spending, and time horizon, we calculate the rate your investments need to earn for your plan to succeed. From there, we design a portfolio that targets that outcome as efficiently and predictably as possible, balancing return potential with volatility tolerance.
Smart investors don’t chase performance—they aim for precision. Understanding your required rate gives you a clear benchmark for decision-making, helping you avoid speculation and stay focused on what your plan actually needs.
Ultimately, knowing your number—and building around it—is what turns financial goals into financial reality.
Spend Rate (March)
Spend Rate: Aligning Today’s Spending With Tomorrow’s Goals
At InSight, we help clients understand the relationship between what they earn, what they spend, and what’s left to build their future. Your spend rate is one of the clearest indicators of whether your financial vision is sustainable—or slowly eroding over time.
We review cash flow patterns, lifestyle expenses, and savings behavior to ensure spending supports your values and long-term objectives, not just short-term wants. The goal isn’t restriction—it’s intention: knowing where every dollar goes and what it’s doing for you.
Smart investors spend deliberately. By keeping lifestyle growth in check and aligning expenses with priorities, our clients gain freedom to make choices from strength, not necessity.
Ultimately, the balance between what you spend and what you keep determines how quickly your plan becomes reality.
Employment Dependency (May)
Employment Dependency: Turning Work Into a Choice, Not a Requirement
At InSight, we help clients understand how much of their lifestyle and cash flow depends on continued employment—and when they can begin to transition from “working for income” to “letting income work for them.”
By analyzing the balance between earned income, investment income, and passive cash flow, we identify the point at which you can sustain your desired lifestyle without relying on a paycheck. This inflection point is a key marker of financial independence.
Smart investors plan for freedom, not just retirement. Through disciplined saving, diversified income sources, and efficient withdrawal strategies, our clients gain flexibility to reduce hours, change careers, or stop working altogether—on their terms.
Ultimately, the less your financial plan depends on employment, the more secure and empowered your future becomes.
Risk Management (July)
Risk Management: Protecting What You’ve Built
At InSight, we view risk management as the foundation of every solid financial plan. It’s not just about buying insurance—it’s about ensuring the right protection is in place to safeguard your income, assets, and loved ones if life takes an unexpected turn.
We help clients calculate the amount and type of coverage truly needed—from life and disability insurance to property, liability, and long-term care—so protection aligns with their goals, not a salesperson’s quota. Every recommendation is grounded in your broader financial plan, balancing cost, coverage, and opportunity.
Smart investors don’t avoid risk—they prepare for it. By transferring select risks through insurance and managing others through savings, diversification, and proper planning, you gain resilience and confidence in any market or life event.
Ultimately, protecting what you’ve earned is what allows you to keep growing it—and that’s the cornerstone of a lasting financial strategy.
Debt (September)
Smart Use of Debt: Building Wealth Through Leverage and Discipline
At InSight, we help clients design debt strategies that work for them—not against them. We distinguish between accretive debt—borrowing that supports long-term asset growth, such as real estate, business expansion, or education—and erosive debt, which detracts from wealth through high interest costs or short-lived benefits.
Our goal is to align every liability with your financial objectives. We review rates, terms, and repayment schedules to optimize cash flow, reduce risk, and ensure each dollar borrowed contributes to your overall plan.
Smart investors don’t fear debt—they manage it. By using well-structured leverage to acquire productive assets, our clients expand their earning potential and improve long-term outcomes without sacrificing financial stability.
Ultimately, the share of income directed toward owning productive, long-term assets—rather than servicing inefficient debt—is one of the clearest indicators of financial success. We help clients shift that balance decisively in their favor.
Tax Rate (November and December)
Tax Rate & Tax Planning: Keeping More of What You Earn
At InSight, we believe tax awareness is just as important as investment performance. Benchmarking your tax situation ensures your income sources, investment returns, and withdrawal strategies are all working in harmony with your financial plan—not against it.
Through proactive planning, we help identify opportunities to reduce lifetime tax exposure, not just year-to-year liability. This includes managing capital gains, optimizing account types (taxable, tax-deferred, and tax-free), and coordinating investment income with deductions, credits, and future income events.
Smart investors measure success after taxes. Aligning your portfolio, cash flow, and income strategy around your marginal and effective tax rates allows you to grow and preserve wealth more efficiently over time.
Ultimately, how much of your income you keep and reinvest—after taxes—is a defining factor in achieving long-term financial success.
