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Our Process

There Are Many Roads That Lead Into The Future, But Which To Take?

There are thousands of financial advisors all across the county. Why choose Stephen M. Molesky & Associates? The answer is in our process. Over the past 30 years, we have learned to use our knowledge, experience, and our tools to be able to show our clients that they can find peace of mind in having a financial plan.

We can assist you with the following:

  • Financial Planning
  • Tax Planning
  • Retirement Planning
  • Estate Planning

The Proof Is In The Planning

Our proven approach to financial planning is what delivers above and beyond the expectations of our clients. The process starts with:

  • Building - Every client gets our undivided attention. There is no timetable for getting to know our customers and building relationships. We are in this for the long haul. We spend time understanding each person’s position and circumstances. Our advisors want to get acquainted with every goal and dream. How can we know how to guide if we do not know where to start?
  • Advising - Our advisors dig deep to see what bases are covered and where potential concerns might be. We take the information we gathered and delve deep into the current picture to see what is working and what can be improved upon. We use multiple software formulas to process each customer’s information. We then use Modified Endowment Models to come up with a plan that fills the gaps.
  • A Modified Endowment strategy has one goal: to increase portfolio performance while lowering portfolio volatility. Stephen M. Molesky &Associates employs many strategies such as this, to develop roadmaps that look to maximize the chances of getting to your financial goals as quickly as possible.

  • Launch - After reviewing all the pros and cons, we compare the results of all our data gathering, analysis, and client feedback. The results are compared to each customer’s specific risk tolerance, and the result is a solid plan ready to be implemented. The journey now begins.
  • Status Updates - A plan is only as good as the adjustments made to keep it on track. Our clients receive reports throughout the year that update the status of the investments and any recommendations suggested. At this time, those recommendations will include any information gathered as a result of life changes, and adjustments to the financial road map will be made as needed.
  • Let The Experts At Stephen M. Molesky & Associates Deliver The Freedom And Peace Of Mind A Secure Retirement Plan Can Give.