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"The ongoing process of Financial Planning provides individuals the tools and information needed to make sound decisions, envision the future implications of those decisions, and manage the economic uncertainties in life." William Van Keulen, CFP®		To turn your ambitions into reality, you need a plan. And to create a plan that will be successful over many years, you must address five critical areas: Understand current financial status and areas for improvement. Set short-term and long-term goals. Identify obstacles to achieving goals. Create an action plan to reach goals. Monitor progress towards goals and make adjustments as needed. This organized process is the essence of comprehensive financial planning, and is at the heart of everything we do at Carnick & Company. We don't offer planning as a path to sell products. Instead, we empower you with client-centered, impartial advice to enable you to make informed decisions. Your financial well-being involves more than the balance in your bank account. When you sit down with our financial planning professionals, we'll examine everything going on in your life - your work, relationships, past triumphs and challenges, present activities, and dreams for the future. Based on this big picture, we prepare a comprehensive financial strategy at a fixed fee, uniquely formulated just for you. And we're so confident you'll find this process of value that we offer a 100% guarantee of satisfaction: If you don't like the plan we create just for your situation, you don't pay a penny for all our efforts. Every plan we create considers the following areas, where appropriate: Life Goals Evaluation Personal Cash Flow and Budgeting Taxation Investment Diversification Investment Risk Analysis Coordination of Personal     Investments with Employer     Plans Employee Benefit Coordination Estate Planning Trust Opportunities Risk Management (Insurance for     life, home, auto, health, disability,     liability) Retirement Planning Charitable Opportunities Educational Funding Intergenerational Wealth Transfers Asset Protection BETTER DREAMS Tom and Sarah dreamed of one day opening a country bed-and-breakfast inn so they could simplify their busy lives and run a business together. Tom, a former high-ranking military officer, was enjoying a successful second career in private industry, and Sarah was a healthcare industry executive. They came to Carnick & Company for financial planning and to determine if their bed-and-breakfast dream could come true. After meeting with the couple and discovering their underlying life and relationship goals, we explained to them that operating a bed-and-breakfast was not going to be any less hectic than their current situation - but probably more so. We were able to show them how to realize better dreams…that they could set up individual consulting businesses in their home, live wherever they want, work together and enjoy unprecedented freedom.