OUR ADVISORY APPROACH

 
Cumbie Advisory Services, Inc.'s approach to personal financial planning is distinctly process-based. Our process is based fundamentally on six steps prescribed by our professional regulatory and licensing organization, the Certified Financial Planner Board of Standards, Inc.

As Your Consultant in the Financial Planning Process We Will...

  • Join with you to define and establish a productive long-term partnering relationship based on mutual trust and respect. This step sets the stage for all that follows by clarifying expectations regarding both process and outcomes.

  • Work closely with you to gather a wide range of personal business and "non-business" information relevant to the development of your plan. Knowing which questions to ask and how to ask them is a key part of our professional responsibility to you.
  • Analyze your situation thoughtfully and assist you in bringing your long-term vision into clearer focus. Here we will help you identify, quantify and prioritize a track of defined markers in the form of goals and objectives.
  • Create and communicate clearly to you a functional and flexible plan that is designed specifically for your case and that makes sense to you.
  • Facilitate implementation of your plan in certain areas of risk management, investing and estate planning, where our expertise and hands-on purview can add value. For aspects of implementation which are beyond the scope of our expertise or licensure, we will assist you as needed in locating and establishing relationships with qualified providers. Irrespective of the nature of our involvement in implementation, our primary duty is to you, as your independent, objective advisor.
  • Revisit the overall plan to check its fit as time passes and/or your situation changes to make any appropriate revisions. Measurably progressing through the track of defined markers established in the third step of this process will clearly demonstrate your success and comprise the accomplishment of your mission.

Cumbie Advisory Services, Inc.'s approach to investment management consulting derives from the institutional investment model.

As Your Consultant in the Investment Management Process We Will...

  • Analyze your goals, objectives and existing programs.

  • Formulate/update a written investment policy statement.
  • Establish appropriate asset allocations/manager style mix.
  • Introduce suitable managers and/or investment vehicles.
  • Monitor and report on your portfolio's performance.
  • Provide ongoing evaluation and due dilligence.

 PERSONAL PLANNING STRATEGY

 

At Cumbie Advisory Services, Inc., our approach to planning integrates the best of many different schools of thought in the world of planning strategy and consulting. Our approach is real-time in the sense that we consider success to be found in the journey, rather than in some ever-elusive destination. At the same time, we believe in the power of visioning and giving energy to a sense of purpose and desired outcomes. We emphasize the holistic nature of our methodology, as well as objective and subjective factors unique to each case.

We very specifically consider our role as personal financial planners as being a consultative role. In that vein, and in our continual search for effective practices, we have adapted, to the extent that they fit, the following five major ideas from Robert H. Schaffer's recent book, "High-Impact Consulting."

  • Define the work in terms of tangible client results

  • Focus on what a client is willing and able to do
  • Divide the work into smaller tasks with rapid cycle times
  • Encourage clients to work with us in full partnership throughout the process
  • Utilize technology, our other human resources, and strategic alliances to leverage our efforts

If after looking around you would like more information, please feel free to send us e-mail or call us.

Cumbie Advisory Services, Inc.
306 W. 7th Street, Suite 442
Fort Worth, TX 76102
Phone: 817.335.1181
Fax: 817.335.1225
Email us