Our Process

Listed below is our 6-step process on how we work. Our goal is get as much information from you up front so we can accurately and effectively analyze your situation and come back to you with a personalized plan that makes sense for you. We pride ourselves on our transparency and excellent communication to help ensure you are comfortable and informed throughout the process.

Establish the goal/relationship with the client

  • Set up the parameters of the relationship and how Hulbert Financial Group works

Gather information and listen

Family Information

  • The first question we ask is “Tell me about your family?”
  • What short-term and long-term goals do you have for your family?
  • Are there any special needs?
  • Previous marriages?
  • Children from previous marriages? Health factors?

Financial information

Review current investment situation

  • What is your income?
  • Self-employed? Other business interests?
  • What are your expectations?
  • Risk tolerance?
  • Time horizon?
    • What are the Income tax and capital gains taxes on your investments?
    • Are you taking advantage of all the available tax favored investment vehicles out there?
    • Liquidity? Etc.

Review current investment situation

  • We evaluate your life, disability, and long term care insurance to make sure you have the right amount of coverage and that you are not overpaying.
  • Any employer health benefits? What are the best Medicare options?
  • Car/homeowners and liability insurance (We have relationships with professionals in these areas)

Review Liabilities

  • Determine if it makes sense to pay off certain liabilities or refinance. We have relationships with mortgage brokers who can help us analyze your credit situation and see if it makes sense to refinance.

Evaluate Your Financial Status

  • Based on our analysis of the information gathered in steps 1 and 2, we evaluate financial status to form the basis of our plan recommendations

Develop the Plan

  • Set and prioritize goals
  • Present the plan to the client to get feedback and approval to move forward with implementation

Implement the plan


  • Outline how much to save and invest


  • Update/revise/purchase to reduce risk

Estate Planning Strategies

  • Tax Planning Strategies
  • Retirement Planning
  • Maximizing pension options
  • Maximizing social security
    • When is the best time to start? For you? Your spouse?
  • College Planning
  • Gifting
    • To children
    • During Life
    • At death

Monitor the plan

  • Set benchmarks
  • Constant review
  • Update the plan as information and goals change
    • Family situation
    • Health situation
    • Career/Business Changes
    • Market conditions