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Steps in Our Planning Process

Your Steps to get there from here...


Our approach is different from the start.

From day one, you’ll see that working with OverShare Advice and Planning is different. With most ‘financial planners,’ the discovery process often begins and ends with numbers.


But with you, our first priority is to listen. We take the time to understand your unique situation — your opportunities, your challenges and your hopes and dreams for the future.

The value we bring to our clients goes well beyond choosing and managing the right investments. We look into every aspect of your financial picture – from insurance, to trusts, taxes, business valuations and more. We study all forms of risk in your portfolio – and then help you discover more ways to make the most of your money and your life.


During our meetings together, we’ll get to know each other at a deeper level so we can help you identify what to improve, develop or change as it relates to your wealth.

By reviewing your completed confidential Risk Number, we will be able to determine your risk tolerance and investor profile.

Your long-term financial objectives and commitments will be identified to set the foundation of your financial plan.


Once we know where you stand and where you want to go, we get to work. We put decades of research to the test, crafting specific recommendations to help you find the best way forward.

Doing what is right for you means sharing our passion for the science of investing and wealth management.  Our firm has years of experience and exposure to economic ups and downs with today’s technology to optimize our ability to achieve your most important goals.


After reviewing documents, analyzing account statements and investments we begin developing your financial plan that includes multiple scenarios for you to consider decisions for the future.


Beginning with future expected returns and your plan development, we will conduct a portfolio stress test on your current investments and recommended strategies.

Our goal is to ensure your financial goals and objectives are in line with your level of comfort in taking on risk so we can design a personalized financial game plan that you expect to meet your needs.


Education is the key to transparency and we want to help you understand our investment process and strategies because these important financial decisions directly impact your life.

Once you have a thorough understanding, we’ll make recommendations on strategy allocations and implement your personalized plan so you can live your life with confidence.

Disciplined investment strategies are the foundation of our process, which are built to a specific model based on your financial planning directives. Our process-driven, time-tested philosophies are managed to deliver your documented financial commitments.

Examine every facet of your financial life...

Achieving your financial goals depends on so much more than just investing. 

How might taxes impact your income? 

Are you protected should something unthinkable happen? 

Is your estate plan in line with your wishes?

These are just a few of the important areas we incorporate into the individualized plans we build for our Client Families. When we understand and align these critical components of financial health, our clients are able to enjoy a greater sense of confidence in their ability to achieve their biggest aspirations.


With your plan in place, we then put it into action, working with your accountant, estate planner, attorney and other advisors to ensure your money is where it should be based on your current and future needs.


Our approach to portfolio construction focuses on evaluating and assessing your portfolio regularly and applies the latest  financial research to ensure the recommendations we make live up to our exacting standards.


Taxes, of course, are a big part of the equation, and central to our approach to wealth management. We look at taxes as a year-round strategy, monitoring your plan, your investments and the performance of the market for opportunities to lower your taxes and keep more money working in your.


Once your plan is set in motion, you’ll define how we communicate with you – phone, video conference, email, mailings or in-person– but you can expect us to deliver proactive, transparent communications and unparalleled service.

You’ll also gain anytime access to online technology to share confidential documents, periodically update your risk assessment, review account statements along with monitoring your financial planning projections.


We will schedule annual reviews to ensure your financial goals and objectives remain current.

Day by day,we continuously monitors both the markets and your assets to make sure they are performing according to your plan, rebalancing and making adjustments as necessary.

When you have questions, we are there with answers. We’re here to help you make informed decisions and to provide the support you need to stay the course.

This includes updating your financial planning projections and analysis, as needed. It involves keeping track of opportunities to lower your income tax bill to keep more money in your pocket.

Let's Focus on You...

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