We use a disciplined approach to understand the financial needs and goals of an individual, family or small business.  We begin by understanding the sources of income, income needs and any potential risk of income loss.  We then review current investment strategies for risk, fees and performance to understand how these products support the needs and goals of the client.  We produce a “Financial Snapshot” of the client’s current financial situation to be used during the retirement planning process. 

Step 1: Initial Consultation.  Identify client’s needs, goals, income and investments.  Produce a “Financial Snapshot” model of the client’s existing financial situation. 

Step 2: Financial Review.  Validate and review client’s needs, goals, income and investments as defined by the “Financial Snapshot” model.  Identify cost, risk, historical performance, strengths and weaknesses of existing investments. 

Step 3: Plan Design.  Provide solution options to remedy identified weaknesses.  Show benefits of new “Financial Plan” model versus the existing “Financial Snapshot.”   

Step 4: Implementation.  Implement selected financial investments to achieve the income, investment and estate planning goals as identified by the “Financial Plan” model.

Step 5: Continuous Review.  Provide quarterly/annual updates and reviews to ensure the needs and goals identified have not changed and the “Financial Plan” is still on track.

These materials have been independently produced by Leonard Financial Group. Leonard Financial Group ("LFG") is an independent Registered Investment Advisor registered in the State of Florida. LFG utilizes the custodial services of Fidelity Inc. and Scottrade Inc. Neither Fidelity nor Scottrade have created, supplied, licensed, endorsed, or otherwise sanctioned any content on the Leonard Financial Group website.

Important Consumer Disclosure
Leonard Financial Group ("LFG") is a Florida registered investment adviser located in Melbourne, Florida. LFG and its representatives are in compliance with the current registration and notice filing requirements imposed upon by the state of Florida registered investment advisers. LFG may only transact business in those states in which it is notice filed, or qualifies for an exemption or exclusion from notice filing requirements. LFG's web site is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information is not prohibited by applicable law. Accordingly, the publication of LFG's web site on the Internet should not be construed by any consumer and/or prospective client as LFG's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Furthermore, information on this Internet site should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from LFG. Any subsequent, direct communication by LFG with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of LFG, please contact the State of Florida Office of Financial Regulation. LFG's current written disclosure statement discussing LFG's business operations, services, and fees is available from LFG upon written request. LFG does not make any representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to LFG's web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.