When most people think about financial advisors, they imagine a few meetings, some spreadsheets, and basic investment tips. At Truly Aligned, we make sure your experience feels clear, straightforward, and stress-free.
But here’s the thing most people don’t see: behind your seamless experience is hours of meticulous analysis. We’re diving deep into every corner of your financial life—tax strategies, equity compensation, insurance planning, estate details, and extensive scenario modeling—so you don’t have to.
This article pulls back the curtain to reveal exactly how much care and precision goes into each financial plan, so you feel confident your finances are handled thoroughly and thoughtfully, even while your experience stays calm and easy.
Your Experience: Our 4-Step Framework
On the surface, here’s what your financial planning journey looks like:
- Financial Alignment Experience
This first meeting is designed to create clarity around the life you want to build, diving deep into the purpose behind your financial decisions. We’ll gather key details and documents from you ahead of time, but the heart of this session is understanding exactly what you’re aiming for, so we can craft a strategy uniquely tailored to your desired outcomes.
- Goals and Expectations
Next, we dive deeper. We address unanswered questions, gather detailed data, and make sure we’re crystal clear on your goals. This sets the foundation for the detailed strategy that’s coming next.
- Strategy and Implementation
This is when it all comes together. We present tailored projections and detailed scenarios, aligning your plan precisely with your priorities—whether that’s early retirement, your dream home, funding education, or business expansion. You’ll walk away with a clear, actionable roadmap.
- Investment Planning
We align every investment with your broader financial strategy. Each account is reviewed, adjusted, and optimized to match your timeline, goals, and comfort level with risk. The result? Your investments support the life you want, instead of distracting from it.
Ongoing Monitoring and Improvement
Your journey doesn’t end after these core meetings. Three to six months later, we have a check in meeting to confirm your plan is being implemented effectively and on track. Annually, we’ll thoroughly review and update your analysis to keep your strategy current, responsive, and aligned with your evolving life.
That’s the smooth, organized experience you see. But what happens behind the scenes?
Behind the Scenes: The Real Work
Here’s the truth: 80% of the work happens when you’re not in the room. The clarity you experience in meetings is actually the result of dozens of hours spent behind the scenes—deep thinking, detailed analysis, strategic planning, meticulous coordination, and let’s not forget the mountain of compliance paperwork required to serve your best interests and meet strict regulatory standards.
Let’s walk through what’s happening behind the scenes—so you know exactly how much thought, care, and expertise goes into your financial plan.
Step 1: Secure Systems, Paperwork & Compliance
We handle a large volume of sensitive personal data and everything must be tracked, stored, and processed with care. Each new client is added to our internal workflow system, which includes 29 detailed steps to maintain accuracy, thoroughness, and security at every stage.
Additionally, we have significant legal and compliance responsibilities as fiduciaries. Truly Aligned is regulated by FINRA, the SEC, our broker-dealer (LPL), and our RIA (Wealth Consulting Group). Compliance isn’t fun, but it’s critical to protecting your financial well-being.
Step 2: Intake, CRM, and Document Requests
Once you’re onboarded, we create your secure client profile in our internal systems, connect it to a digital fact finder, and begin an extensive data collection process. We request everything from your 401(k) statements and pension information to pay stubs, investment accounts, mortgage statements, trusts—every document that impacts your financial life.
Throughout this stage, Jena, our amazing practice coordinator, will regularly follow up to confirm receipt, verify completeness, and keep your outstanding items list updated as you progress. You’ll always know exactly what’s needed and where you stand.
Step 3: Review, Input, and Organization
This step is where we spend the bulk of our behind-the-scenes time. Our paraplanner carefully inputs every piece of your data—from investment account details and pension amounts to your monthly expenses—into our financial planning software. But this isn’t just a data dump. Every number, every account, and every statement is thoughtfully organized, reviewed for accuracy, and checked against your stated goals.
We’re not just loading numbers into a spreadsheet. We’re structuring your financial information so we can produce precise, reliable projections and recommendations. This detailed process transforms scattered documents into a clear, cohesive financial story, ready for analysis and modeling.
Step 4: Modeling and Scenario Planning
This step is where strategic thinking, deep analysis, and years of advisory experience come into play—translating your goals into a concrete, actionable financial plan.
We take your biggest ambitions—retiring early, paying for your kids’ education, upgrading your lifestyle—and rigorously test each scenario, balancing your ideal future with today’s financial realities. Using sophisticated Monte Carlo simulations and detailed scenario analysis, we explore:
- Exactly how much you need to save or invest to support multiple goals simultaneously.
- What trade-offs might be necessary—and how they impact both your current lifestyle and future security.
- The tax impact of each financial decision, optimizing every move for maximum efficiency.
- How varying market conditions, including recessions, market downturns, or unexpected crashes, could affect your long-term goals.
- How well-prepared you are for unexpected life events, such as disability, job loss, or economic uncertainty.
Our objective isn’t merely to provide theoretical possibilities—it’s to clearly illustrate what’s realistically achievable, identify necessary adjustments, and outline precisely what actions you should take next.
In other words, you don’t just leave with projections, you leave with clarity, confidence, and a resilient strategy ready for the uncertainties of real life.
Step 5: Action Plan Creation
Once we’ve run the analysis, we distill everything into your personalized action plan. These aren’t vague suggestions—they’re clear, achievable steps you can confidently tackle, one at a time, without overwhelm.
Think of it as your personal financial checklist, turning complex strategies into straightforward actions. Life gets busy, and good intentions easily slip through the cracks, so our practice coordinator, Jena, proactively checks your progress and gently nudges you forward. She regularly follows up, helping you implement each step and stay on track to achieve your goals.
Step 6: Implementation Support
Once your action plan is set, we help you put it into motion. Whether that means opening new investment accounts, applying for life or disability insurance, or setting up annuities, our team handles the heavy lifting—managing paperwork, completing applications, and coordinating logistics.
While implementation is always your choice, most clients prefer this turnkey approach. It allows them to focus on their lives, knowing we’re proactively handling their plan’s execution. Throughout implementation, our team continues to coordinate each detail behind the scenes, providing regular updates and keeping the process smooth and stress-free.
Step 7: Long-Term Support and Review
Our partnership continues long after your plan is implemented. We regularly revisit your plan, update projections, and proactively make adjustments as changes arise—whether you’re navigating a job transition, deciding how and when to sell equity, growing your business, or experiencing shifts in your personal circumstances.
Our goal is simple: anticipate the ripple effects of your life decisions and stay several steps ahead, so you remain confident, informed, and always aligned with your long-term vision.
Why This Matters for High-Income Professionals
Significant wealth requires more than basic advice. You’re likely wondering:
- Am I missing opportunities to significantly reduce my tax burden?
- Is my wealth structured effectively—or am I leaving money on the table?
- How do I prioritize long-term security without sacrificing flexibility today?
- Who can proactively guide me when my business, family situation, or the economy inevitably shifts?
You don’t just need someone to manage your investments. You need a strategic partner who fully understands your unique circumstances, proactively anticipates your challenges, and translates complexity into a clear, actionable financial roadmap.
What Makes Truly Aligned Different
Most financial advisors manage investments and set high asset minimums. We don’t.
At Truly Aligned, we believe financial planning is about aligning every part of your financial life—tax strategy, retirement goals, risk management, estate planning, equity compensation, business planning, and more—into a single cohesive plan. Our flat-fee approach means you receive strategic advice regardless of your asset size.
We meet you exactly where you are, delivering clarity, comprehensive strategies, and practical, actionable steps designed specifically for your goals and lifestyle.
We simplify the complex, giving you confidence at every stage.
FAQs
What’s included in the financial planning process at Truly Aligned?
Our planning process is built around four core meetings: Financial Alignment, Goals & Expectations, Strategy & Implementation, and Investment Planning. Behind the scenes, we conduct detailed scenario analysis and proactive risk mitigation, integrating tax planning, estate planning, financial planning, investment management, and insurance strategies to make your plan both comprehensive and actionable.
How long does it take to get a financial plan?
Usually, from onboarding to plan delivery takes about 6–8 weeks. The timeline depends largely on document collection speed and client responsiveness.
How do you protect my personal and financial data?
We follow stringent compliance guidelines set by FINRA, the SEC, and our broker-dealer and RIA partners. All sensitive data is secured within encrypted systems, with detailed protocols to manage and protect your information.
What makes Truly Aligned’s financial plans different from other advisors?
We integrate equity compensation, business strategy, advanced tax planning, estate considerations, and your personal aspirations into a single, cohesive financial strategy tailored explicitly to your circumstances.
Final Thoughts
Your financial plan isn’t about spreadsheets or chasing short-term gains—it’s about aligning your wealth with the life you genuinely want.
At Truly Aligned, we transform complexity into clarity, uncertainty into confidence, and ambitions into achievable actions. If you’re ready to experience financial planning that matches your ambition, let’s connect.
→ Schedule a consultation
→ Learn more about our planning process
LPL Financial representatives offer access to Trust Services through The Private Trust Company N.A. an affiliate of LPL Financial. This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through The Wealth Consulting group, a registered investment advisor. The Wealth Consulting group, WCG Wealth Advisors and Truly Aligned, INC are separate entities from LPL Financial. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.