Our Process
Safe Money StrategiesTM

Why A Process?

Embracing a process will not guarantee that you will achieve your goals or live a desired lifestyle. But you will have a greater probability of success by using a process.

Anyone can hit the bullseye on any given day. The key is to consistently hit the target. The means is a process.

Our process is called Safe Money Strategies™.

Our process better aligns the traditional wealth accumulation, wealth preservation and wealth distribution sides of our business with financial planning.

We do this with a consultative, team-based approach of financial professionals combined with state-of-the-art technology. This helps our clients make better informed decisions and they feel more comfortable because they are better educated about, and more engaged in, the process.

The process drives the plan. Notably, the financial software and products and services we utilize are just tools to help our clients achieve their goals and live their desired lifestyles. By having a suite of products and services available to us we are able to provide customized solutions. We don’t start with a set of investments and build a plan around them. In our judgement, that is not the right approach; it’s backwards.


Collect the details of your financial resources and discuss the specific goals you want to plan for and the time horizon for those goals.


Analyze your information to assess your current financial situation and determine what you must do to meet your objectives.


Present a personalized financial plan that addresses your specific goals.  


Discuss how each recommendation in the plan will be carried out and how we will measure progress along the way.


Outline a process through which we will report to you periodically to review your financial situation and make any necessary adjustments to your plan.

Kelly Financial’s process involves five steps integral for retirement planning: Discover, Analyze, Develop, Implement, Review. We walk through these steps when we first meet with clients and prospective clients. Clients are part of every single step. It is important that clients understand each step and the “why” of each step. And the review phase happens at least annually.

We believe that is a good start to what we hope will be a long and satisfying retirement for you. We are here to help you get there.

This all begins with some simple questions: How do you feel? What keeps you up at night? What kind of lifestyle do you see in retirement?

The answers to these and other questions are found with a financial plan that is holistic and involves a process.