What to Expect

Comprehensive Planning. Portfolio Management.

Whether it be comprehensive financial planning, asset management, or just a few hours of help along your way, Full Picture Financial has provided for a unique client experience in which in-depth discovery conversations are held, financial data is reviewed in detail, recommendations actions are formulated in accordance with stated goals, and regular maintenance is assured.

The Process

1: No Obligation Consultation

No charge or stated duration: We produce a "Quick Sheet" to determine how you can benefit from our education and/or portfolio management services.

2: Target Objectives

The scope of planning / advisory services is agreed upon.  Goals are brought into focus.

3: Data Gathering

Reviewing all currently known information to find opportunities to improve efficiency.  See below for list of which documents to have available.

4: Process & Plan

Set expectations and time frames whilst engaging planning tools and other technologies in analyzing all information collected.

5: Recommendations

Review initial outcome and lay foundation for beneficial alterations to status quo.

6: Education

A constant throughout the process, those engaging in a Comprehensive Financial Planning Retainer will formalize a plan to increase knowledge in areas for improvement as well as those of greater interest.

7: Plan Implementation

Assignments agreed upon and divided between the Client and Advisor.  Those engaging in Financial Planning or Asset Management will create an Individual Investment Policy Statement.

8: Assets in Motion

Initial movements are made into your personally designed portfolio.  Re-balancing and re-structuring of your portfolio is made on a regular basis.  Strategy for on-going withdrawals and ad hoc distributions is executed in accordance with your personal tax situation.

9: Reflection

Set continuous sessions to revisit progress (aside from the Personalized Education sessions) and establish access to monitor investment and planning applications.

Documents To Have Available

  • Workplace or Social Benefit Program statements or booklets
  • Annuity or Pension statements
  • Private Insurance policies (disability, life, long-term care, P&C, umbrella)
  • Investment and Bank accounts
  • Paychecks or W-2's
  • Loans and credit card statements
  • Direct Investment summaries
  • Estate Planning documents (wills, trusts, powers of attorney, etc.)
  • Any Budgeting Work previously attempted

The Full Picture Financial Mission

FPF makes use of the financial planning process, as prescribed by the Certified Financial Planner Board of StandardsTM, to help clients understand their financial position and what it will take to meet, or possibly exceed, their objectives.

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Ross Emmer is an Investment Advisor Representatives with Dynamic Wealth Advisors dba Full Picture Financial, LLC. All investment advisory services are offered through Dynamic Wealth Advisors. A copy of Dynamic Wealth Advisors’ ADV Part 2A Firm Brochure is available upon written request and can also be found on the Securities and Exchange Commission website at https://adviserinfo.sec.gov/IAPD by searching under crd #151367.  

Dynamic Wealth Advisors dba Full Picture Financial, LLC provides links for your convenience to websites produced by other providers or industry related material. Accessing websites through links directs you away from our website. Dynamic Wealth Advisors dba Full Picture Financial, LLC is not responsible for errors or omissions in the material on third party websites, and does not necessarily approve of or endorse the information provided. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites. 

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.