Because you have multiple needs and goals – such as the welfare of your family, education funding for your children, or a financially secure retirement – so a single solution won’t work.

Because you want to fulfill your needs and achieve your goals – planning is essential to the success of any important, long-term endeavor.

Because the cost of not planning is far higher. Even the costs along the way – for investments, insurance, taxes, and other financial necessities – are less with planning than without.

Each client and situation are unique; your financial plan should be, too. Our approach to financial planning is both personal – with face-to-face meetings – and professional, using our sophisticated systems, trained staff, and disciplined techniques.

The process of setting personal, business or institutional objectives and developing strategies to accomplish them is fundamental to financial well-being. Here are the steps we take in the financial planning process:

Your Allegheny advisor, backed by a team of financial planning experts, will evaluate your needs and current financial situation to identify all the factors that affect you achieving your financial goals, and establish your need for risk management, education funding, retirement planning, estate planning or tax planning.

Set Objectives
Next, your advisor will help you set clear, realistic and measurable financial goals.

Develop Your Plan
Together, you and your advisor will determine steps and strategies to accomplish your financial objectives.

Put Your Plan Into Action
Your Allegheny advisor will implement each of your plan’s strategies.

Monitor Your Plan’s Progress
As the last part of the financial planning process, your Allegheny advisor will regularly monitor and evaluate the success of each plan segment to ensure your investments adapt as your needs change and of course, as the market changes.

Know-how. When the stakes are high, seeking the advice of a professional, such as a financial planner, provides you knowledge of the process, a wide array of tools, best practices to employ, available alternatives, plus guidance on which pitfalls to avoid. Their expertise can help you integrate all of your financial needs, enabling you to accomplish your goals with the most effective and efficient use of resources.

Choosing an advisor is one of the most important financial decisions you can make. If you hold primary responsibility for managing the assets of a family or organization, you face complex financial situations that merit the attention of a dedicated and seasoned financial professional.

The U. S. Securities and Exchange Commission suggests that before you hire any financial professional, you should know:

  • Exactly what services you need
  • What services the professional can deliver
  • Any limitations on what they can recommend
  • What services you’re paying for
  • How much those services cost
  • How the adviser or planner is paid

For more information, visit the SEC website.

At Allegheny Financial Group, our philosophy is to apply a holistic approach to financial planning for our clients, analyzing all aspects of their financial lives. Financial planning entails much more than just investing; it encompasses budgeting, planning for retirement, saving for education, managing your taxes, acquiring insurance coverage and formulating an estate plan. As a result, all of our board members and many of our advisors obtain CERTIFIED FINANCIAL PLANNERTM certification. CFP® professionals have completed an extensive course of study, testing and experience requirements, and are held to rigorous ethical standards to ensure they are highly qualified to develop a plan for your finances while putting your goals and needs first. This certification is recognized as the highest standard in personal financial planning. In fact, according to the CFP Board, less than 20% of practicing financial advisors in the industry can claim this distinction.*

For more information on the CFP® certification, visit: