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Avenue 90 Financial - Our Process

Our Process

Having a financial plan is like having a roadmap.

It guides you to your goals and destination faster.  That’s where we enter.  We build financial roadmaps to help navigate a wide variety of obstacles, which can help you save time, reduce stress, and lead to a more successful outcome.

Whether you’re looking for financial planning only, investment management only, or both, we’ve got you covered. In-Person and Virtual.

Here’s a high-level view of how we can partner with you:

Prospective Client Meeting

We’ll learn about your specific needs during an initial 30-minute, no-cost meeting.

Discovery Meeting

If it’s a good fit, we’ll have a follow-up meeting to learn the details about your objectives and discuss scenarios you'd like us to analyze.

Organizing & Analyzing

We’ll analyze all the information you provide, in part through our powerful planning software, run scenario analyses, and ask follow-up questions.

Plan Delivery

After careful analysis, we’ll construct a tailored plan, including recommendations, and discuss this in detail with you over the course of one or more meetings.

Additional steps, depending on the service package you select:​

Investment Management with Ongoing Financial Advice

This is available to clients who have completed a Comprehensive Financial Plan and are looking to continue the client-advisor partnership.


We’ll help implement the Plan, manage your investment portfolio, and be available throughout the year for further analysis of financial topics relevant to you (both existing and those that transpire). 

Investment Management only

This can be a standalone service and is also available to clients who have completed a planning engagement. 


The process starts with understanding your risk tolerance, time horizon and investment objective.  From this information, we’ll know which of our investment portfolios is most suitable for you.

Investment Approach

Investment Approach

We build diversified portfolios that are either U.S.-focused or more commonly, have allocations to both U.S. and international asset classes.

We utilize low-cost exchange traded funds (ETFs) to gain broad exposure to the market.

We rebalance your portfolio to ensure an allocation that’s in-line with your risk tolerance.

We focus on tax-efficient investing, which can include tax-loss harvesting.

We strive to keep investment management fees low so that you can compound your wealth faster.

Avenue 90 Financial has selected Charles Schwab & Co., Inc. ("Schwab") as primary custodian for our clients’ accounts.

As a registered broker-dealer and a member of the Securities Investor Protection Corporation (SIPC), Schwab is subject to certain regulations intended to protect assets held in brokerage accounts maintained at Schwab.

I'd like someone to manage the relationship between my accountant, banker, corporate attorney and other associates. 

I'd like someone to manage the relationship between my accountant, banker, and corporate attorney. 

We'd like to find out if Roth IRA conversions would make sense for us

We'd like to identify an appropriate portfolio withdrawal strategy and have someone rebalance for us.

I'd like someone to review and provide advice around my restricted stock units and deferred compensation plan.

I'd like someone to review and provide advice around my restricted stock units and deferred compensation plan.

​Tell us what’s on your mind, and we’ll identify the best way to help.

These materials have been independently produced by Avenue 90 Financial. Avenue 90 is independent of, and has no affiliation with, Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”). Schwab is a registered broker-dealer and member SIPC. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them.


Avenue 90 provides you with investment advice, while Schwab maintains custody of your assets in a brokerage account and will effect transactions for your account on our instruction.

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