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Richard A. Vera II, CPA, PFS, RIA, CFF, CITP, MBA, MS, CFE

We do not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products nor do  we act as custodians for client securities. Vera-CPA, Inc. is not affiliated with entities that sell financial products or securities. Our sole focus is to work with you to build a sensible financial plan based on your needs, wants, and wishes.

Our process is based on the core philosophy that investment and financial decisions should be made within the context of of an overall plan tailored to your unique life situation.

In this way it is like using a GPS to take trip, once you identify your destination then you can determine your desired travel route, stops of interest along the way, places to get fuel, or perhaps have a meal.

The GPS analogy has a very important lesson, you must be able to identify and articulate your desired destination (end goals) to best identify your preferred travel route (financial plan elements).

We work closely with you to help identify your future needs, wants, and wishes (goals) and then incorporate these elements into your overall financial plan.

1. Learning -  I must learn about your situation and goals; and you have to learn the process.

2. Planning - We work together identify your needs, wants, and wishes (goals) and model them in MoneyGuide Elite.

3. Implementing - We use your plan to guide our discussions and inform plan implementation.

4. Monitoring - After the first year (for Financial plans and Comprehensive Financial Plans), twice a year a written summary report with recommendations for changes to the financial plan as necessary (asset allocation, account types, withdrawal strategies, etc.) are provided. Meetings are held twice a year (in person or by phone) to discuss financial plan status, and recommended potential changes, any changes in client goals or lifestyle, etc.

Monitoring is a critical element to the financial planning process, just as we may need to re-route when following our GPS due to a detour, things in your life may change, perhaps economic variables or lifestyle changes (marriage, divorce, birth of a child, etc.) or other changes impacting your needs, wants, and/or wishes may require updates to your financial plan.