1. Exploring the status
At a first meeting F.R.A. Excellence Benefits Architects^® will analyse your situation as is. What efforts towards pension savings and retirement have been made in the past and what would this result in, if the efforts made today would remain unchanged until you retire?

2. Setting the goals
What do you want? This is the most personal and pivotal moment in the process of personal financial planning. We try to pinpoint your dream and vision as accurate as possible taking into account what you expect from life before retirement. Anything goes at this stage.

3. Plotting the route
In a third phase we put A and B together and check their compatibility. Most likely they will not match. We now have to work out a realistic plan, looking for opportunities to adjust the assets and calculating the gap between dream and reality. Together we then have to find ways to close that gap. Maybe the goal has to be reset, or maybe other resources have to be addressed.

4. Planning the future
All these elements are then put into a financial model that sprouts a fitting proposal and comprehensive report. You now have a more or less clear view of the road ahead, including its obstacles and promises. This report assesses future possibilities and evolutions and touches on several likely scenarios.

5. Adjusting the plan
The Personal Financial Planning report is made at a given moment in time and is thus highly susceptible to changes in your situation. For this reason, a revaluation will be needed at certain intervals during which we might have to adjust the status, the goals and the route connecting both. The adjustments of course lead to a new PFP report, which will also last as long as it takes.