Our process
A structure for decisions.
The Financial Plat is Toft’s planning process. It turns the major parts of your financial life into a clear sequence: beginning with what matters, working through each connected decision, and organizing the result into a plan that stays current.
The Financial Plat
One decision builds on the next.
Financial decisions rarely stay in one category. A retirement date affects income, taxes, investments, insurance, and legacy choices. The Financial Plat gives those connections a deliberate order so each decision is made in context.
The process begins with the life your wealth is meant to support, works through the decisions that make it possible, and brings everything into one organized structure that can be revisited as life changes.
Vision
Define what matters, what is changing, and what your wealth should make possible.
Income
Turn your resources into a sustainable plan for cash flow, retirement income, spending, and withdrawals.
Investment
Build a durable portfolio around the plan’s goals, time horizon, and real-world behavior.
Tax
Coordinate decisions across years so income, investments, and giving are considered after tax.
Insurance
Identify the risks that could disrupt the plan and decide what to retain, reduce, or transfer.
Legacy
Align beneficiaries, estate coordination, giving, and family intentions with the life the plan is meant to support.
Organization
Bring the plan, accounts, documents, and next steps into one working system—and keep it current as life changes.
How the relationship unfolds
Three stages, one continuous process.
Conversation
Understand the household. Begin with what is changing, what matters, and what a useful advisory relationship should accomplish.
Planning
Build and act on the plan. Gather the pieces, identify priorities, analyze choices, and turn recommendations into clear next steps.
Stewardship
Keep the plan current. Review progress and adapt as markets, laws, responsibilities, and life evolve.
Ongoing service
A dependable annual rhythm.
After onboarding, the relationship settles into two scheduled planning meetings each year, with additional conversations when decisions or life events call for them. Organization is maintained throughout the year; spring emphasizes vision, investments, and income; fall brings tax planning into focus alongside legacy and insurance work.
The cadence creates structure without turning the relationship into a calendar of unnecessary meetings.
Spring meeting
Vision, investments, and income.
Fall meeting
Tax, legacy, and insurance.
Begin with a conversation.
The first step is to understand what is on your mind and whether the relationship is likely to be useful.