Financial Planning Courses

Schedule Introductory Meeting Anytime

• Meet Your CFP® Professional
• Get to Know BayRock
• Booking Link: CFPConsult.com

Schedule Discovery Meeting (typically 60 – 90 minutes)

During this 90 minute Discovery Meeting, our Certified Financial Planner™ professional will get crystal clear on your financial goals, needs, and concerns.

Before the Discovery Meeting, we will ask you to complete our “Client Intake Form” and we will set up your secure document vault.

• Complete Client Intake Form

  (click here to download PDF)

  (click here to download Excel)

• Set up your Client Document Vault
• Review BayRock Privacy Policy and other Legal Documents (click here to download now)

In your Financial Planning Course, we will provide instructions for using your secure document vault to securely upoad any financial documents you want to be a part of your “Gap Analysis”:

• Tax Returns
• Investment Statements
• Estate Planning Docs
• Insurance Policies

The information you provide will allow our team to prepare for a productive Discovery Meeting.

If BayRock isn’t the best choice for your family or business, we’ll gladly point you to another professional who can better serve your needs.

Our Gap Analysis includes 20+ years of financial expertise, thousands of hours of research and training, and a focus on 7 Essential Elements of your Personal Financial Life:

• Retirement Income and Expenses
• Risk Management and Insurance Review
• Estate Planning
• Education Funding for Children and Grand Children
• Tax Planning Strategies
• Investment Strategies
• Cash Flow Before, During, and After Retirement

With your Retirement Income Gap Analysis complete, your Certified Financial Planner™ professional will offer a second meeting (in person or virtually via Zoom) to review our findings and recommendations.

In plain English, we’ll explain exactly what you can do to improve your retirement income plan.

We will also answer any questions you have related to any of the items we identified as Gaps in your plan.

At the end of this meeting, we’ll provide a proposal, including a menu of services with the associated costs so that you can decide if working with BayRock Financial is the best move for you and your family.

If you need more time to think about it — no worries.  We’re ready when you’re ready.

Like any doctor, it’s important to diagnose before creating a treatment plan or writing a prescription. After our Discovery Meeting, our team coordinates with your advisory team (in our office or via Zoom).

• Your CPA
• Your Family or Business Attorney
• Your Insurance Agent(s)
• Your Stock Broker (if needed)

We often need to evaluate more than one possible course of action, taking into consideration your life situation, personal values, and current economic conditions. Evaluation is an important part of any successful plan.

Plan evaluation includes all of the major strategies that have been put in place for the purpose of achieving your goals.

At BayRock, each year we will Review, Reevaluate, and Revise Your Plan as needed.

Financial planning is a dynamic process and that doesn’t end after each step. We’re here to help you regularly assess your financial decisions. Changing personal, social, and economic factors may require more frequent assessments.

If life events affect your financial needs, our financial planning process can provide an easy way to adapt to those changes. A regular review of your financial plan (typically on an annual basis) helps us help you make any needed adjustments to bring your financial goals and activities in alignment with your vision, values, and purpose.