Our Financial Planning Process | Hebert Wealth Advisors

Our Process

Four simple steps. No surprises. Just a plan that grows with you.

Every plan starts the same way: by understanding exactly where you stand and where you want to go. From there, we build something specific to you, walk through it until it makes sense, and keep it current as your life changes.

Step 1: We Start by Understanding What You Actually Need

Before we talk about investments, we talk about you: your income, your accounts, your pension options, and what retirement needs to fund. We define exactly what this plan is solving for, so nothing important gets missed later.

Step 2: We Take Stock of Where Things Stand Today

We gather every account, every statement, every moving piece, the IRAs, the 401(k), the pension, the insurance, and lay it out in one place. Most clients have never seen it organized like this before.

Step 3: We Build the Plan and Walk You Through It

This is where the puzzle comes together. We show you the recommendations, explain the reasoning behind each one, including the tax impact, and make sure you understand the plan well enough to act on it with confidence.

Step 4: We Review the Plan and Make Updates as Needed

A plan built for today won't fit forever. As your income, health, or family situation shifts, we update the plan with you, so it keeps working as hard as you did to build it.

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Frequently Asked Questions About Our Process

The first meeting is a fit conversation, not a sales pitch. Amy Hebert reviews your current situation, asks about your goals, and helps you decide whether working together makes sense — with no obligation either way.
Most plans take a few weeks from the first meeting to the plan reveal, depending on how complex your accounts and goals are. Amy Hebert gathers your full financial picture first, then builds recommendations around it.
A financial plan should be revisited any time a major life change occurs — a job loss, an inheritance, a health change, or simply a new decade of life. Amy Hebert builds ongoing reviews into every client relationship.
No. Many clients come in with accounts scattered across multiple institutions and no clear picture of how they fit together. Organizing that picture is part of the process, not a prerequisite for starting it.
A financial plan maps your full financial picture — income, taxes, insurance, and goals. Investment management is the ongoing management of your portfolio. Amy Hebert offers both, built together rather than as separate services.

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Who We Work With

Pre-retirees and retirees, professionals navigating career transitions, women managing wealth on their own, and clients dealing with inherited accounts or sudden wealth events.

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Our Approach

Our personalized team service — backed by a time-tested culture of success — helps build trust and form genuine friendships for life.

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Our Services

One advisor, every piece of the plan—retirement income, tax strategy, and legacy planning, built together instead of handed off between specialists.

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