Our process begins with getting to know you, your family and your goals.

We believe our SWAN FORMulaTM process can be one of the most effective ways to create financial security allowing our clients to Sleep Well at Night.



1. Introductory Meeting

In our first fact-finding meeting, we'll identify your short and long-term goals, priorities, preferences, discuss assets/liabilities and any obstacles you may have. We'll also mutually establish what your expectations are for us, and if an ongoing partnership is the right fit.


2. Exploration & Preliminary Planning

After our first meeting, we'll take a deeper dive into your situation. As we have a more detailed conversation about your personal and financial goals, we'll start sketching a preliminary plan. The more open and transparent this phase is, the more detailed our plan will be.

3. Detailed Planning and SWAN FORMula™

Now that we have a foundation, we can deliver an easy-to-follow roadmap that will guide you towards your financial goals. This plan will address the areas that are most important to you, life milestones, and which ones are most important to you, will change over time: family life events (marriage, home buying, children, college), approaching retirement (Medicare and social security), asset protection (life insurance, long-term care) and living in retirement. (Withdrawal strategy, cash flow analysis, philanthropy). We are here to make sure that you are ready for each stage.


4. Ongoing Support & Advice

Life is constantly changing, and your goals will too. When new priorities lead you towards different approaches to wealth management and savings, we'll be here to adapt your plan so it transitions along with you.

*The Personal Financial OrganizerTM (PFO) is a tangible resource to hold your personal and professional financial information together in our customized binder. Every day, digital technology takes a greater role in your financial planning. This means more steps for you to access all your financial information. This PFO offers a more efficient way to stay organized in the matters that are really important. Your team at Claro Advisors will review your PFO annually with you and help you to update each section. 


Let's connect to see how a financially sound plan may bring you closer to your goals.