Financial Services

The HigherGround Group provides fee-only, comprehensive, holistic financial planning and investment management services. We know you are busy, so we collaborate with you to simplify the complexity of your financial life and serve as your family CFO.

Our Process

The process we have in place takes a good deal of time, but it is crucial in order to establish a solid financial plan.

Step 1: Introductory Meeting

In order to begin the process and see if we are a good fit, we recommend a 30 minute conversation to get acquainted. Depending on where you are located, we can have our conversation in person, over the phone, or via Skype.

Step 2: Purpose Discovery & Data Gathering

Once we know that we are a mutual fit, we will collaborate on defining your purpose, goals, and pull together comprehensive financial data.

Step 3: Analysis and Evaluation

We look deeply into the values and goals we have discussed and determine how your current mix of public and private assets, cost and tax efficiency of those assets, cash-flow and balance sheet, insurance coverage, and income streams all work together to support your purpose. We then help you work toward meeting your purpose-derived goals. Depending on the complexity of your situation, this analysis can encompass the assessment of your legacy and estate plan, wealth transfer, and family governance.

Step 4: Implement Plan and Continuous Accountability

Out of our evaluation comes a recommended plan of action that is designed to support your purpose and to help you move toward fulfilling your purpose and reaching your goals.  Implementation of the plan will often have responsibilities for us and for you.  As we execute on each piece of the plan, we check in with each other to hold everyone accountable.

As a financial planning client, you will have 24/7 access to your financial life through your client portal.  If there are no significant action items on your list or ours, we can customarily communicate by e-mail on a monthly basis with scheduled, formal quarterly reviews.  When there are significant action items, we do recommend a scheduled monthly conversation with e-mail contact as necessary.  At other times, if you need anything, we are just a phone call or e-mail away.

We are your family CFO and are here to help you in any way we can.

How We Do It

We employ a holistic, comprehensive process.

Our disciplined process at The HigherGround Group is a close collaboration with you that begins with first learning what drives you, your deep-rooted purpose. We then work with you to build goals around that purpose.

Your purpose and goals then drive the rest of the planning process related to managing your balance sheet (net-worth), cash-flow, risk management and insurance coverage, capital (investment) management and tax management, and philanthropic planning.

As we work with you to execute your plan, we coordinate with your other advisors (tax advisors and attorneys) to implement your plan in a way that gives you the freedom and independence you deserve.

Why We Focus On Purpose

Our planning process is purpose-driven because who you are is what drives you and will most likely drive you in the future.

Most planning processes focus only on goals, which are very important, but goals can be affected by circumstances outside your control.

We prefer to focus on what will remain constant, which is the intrinsic purpose inside you that drives all your decisions. Quite simply, your purpose drives you, therefore it will drive our service to you and your family.

How We Help You Manage Your Investments

At The HigherGround Group we employ an investment philosophy that strives to be both cost- and tax-efficient, while taking on a level of risk that is appropriate for you and your purpose-driven plan.

We avoid gambling with our own capital, so we won’t gamble with yours, and speculating for the next hot IPO or hot stock is not something we do.

We do not receive commissions and we do not sell you proprietary products.

To learn more, give us a call:  (317) 763-2444.