The Cash Flow Confidence Process

Ready to Get Started?

Experience Confidence - and More!

Our 3 Step Process:

Conversation

  • Introductory Call

    Scheduling an introductory call is the first step in identifying what you need and determining if we are the right fit for you. Based upon the conversation, you will either have action items to implement first or we can move forward and schedule our initial meeting.

  • Initial Meeting

    Pick your favorite coffee, sit back and relax as we get to know each other. This time is dedicated to understanding who you are, what’s important to you, where you want to go, and why! We end the meeting with a brief review of your financial documents and answering any questions you may have.

Strategy

  • Behind the Scenes

    Within 48 hours of our initial meeting and receipt of your financial documents, we will start your behind the scenes review. We begin by analyzing your taxes, bank and credit card statements, gifting, savings, and investments patterns in order to document your lifestyle needs. Then we run several scenarios to test the potential longevity and strength of your resources and the potential cash flow in retirement. These scenarios included your goals so you see our previous conversations integrated into a well-documented Cash Flow Confidence Plan!

  • Presentation

    You have waited two to three weeks and the moment has arrived – it is time for the Cash Flow Confidence Plan presentation! This interactive discussion walks through each component of the plan, from a synopsis of who you are and the goals you want to achieve, to the spending analysis, to projecting the annual savings, investing, and future withdrawals needed to reach your goals. You will leave this meeting with a digital and printed copy of your Cash Flow Confidence Plan

Action

  • Implementation

    Now that you have the plan, it is time to take action! A separate meeting will be scheduled to discuss the proper placement of your investments for tax efficiency, risk tolerance and time horizon. Specific fund recommendation and assistance in rollovers and transferring funds will be completed. During this time, we will also review and establish systematic investing and saving, as needed.

  • Annual Review

    This is no ordinary review! Every year we update your Cash Flow Confidence Plan with the changes that have occurred in your life. This includes not only your goals, dreams, additions to the family, and health concerns, but also market impact and returns, savings, cash flow, expenses and investment changes. Since we invest and provide counsel based upon our last conversations and your Cash Flow Confidence Plan, it is key that we connect annually so your investing remains in alignment with your risk tolerance and time horizon.

Ready to Get Started?

Crystal Clear Finances

518-433-7181

11 Century Hill Drive, Suite 206
Latham, NY 12110

© 2025 Crystal Clear Finances - All rights reserved. | Privacy Policy | Terms of Use | Important Disclaimers
Custom Wordpress Design and Web Hosting by Lionheart.net.

Investment Advisory Services offered through AlphaStar Capital Management, LLC a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. AlphaStar Capital Management, LLC and Crystal Clear Finances are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services are offered through individually licensed and appointed agents in various jurisdictions.