The goal of investing is to create and conserve wealth.  The CPA financial planner will develop a strategy which will expose your portfolio to only as much investment risk as is necessary to satisfy your planned financial goals.  By developing a risk profile that considers both your desire to assume investment risk and your capacity to assume the risk, an asset allocation model can be built.  The model may consider restrictions placed on employee benefit plans, concentration of assets in employer securities, income tax implications, appropriate form of ownership, etc. 

The investment planning process can be summarized as follows:

1. Establishing a comprehensive understanding of your goals and objectives.

2. Identifying your current financial position and future sources of excess cash flow.

3. Providing investment advice that may include education assistance regarding investment strategies, asset allocation recommendations, and specific investment recommendations.

4. Implementation of your investment strategy.

5. Measuring results and providing guidance to keep your strategy on target.