Boston Skyline

Our Process

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

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

← Back to About

The Four Steps of Our Process

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.

Step 1: Introductory Meeting
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.

Step 2: Exploration & Preliminary Planning
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.

Step 3: Detailed Planning and SWAN Formula™
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.

Step 4: Ongoing Support & Advice

The Personal Financial Organizer™ (PFO)

The Personal Financial Organizer™ (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.

Contact Us

Five Star Professional Disclosure: James W. Abbott is awarded The FIVE STAR Wealth Manager Award in the Wealth Management Category, based on 10 objective criteria associated with providing quality services to clients such as credentials, experience, and assets under management among other factors. Wealth managers do not pay a fee to be considered or placed on the final list of 2023 Five Star Wealth Managers. The inclusion of a wealth manager on The FIVE STAR Wealth Manager Award list should not be construed as an endorsement of the wealth nor should it be inferred that the responses used from the survey represent the experience of any clients. This award does not evaluate the quality of service provided and the wealth manager may have had unfavorable ratings. The rating is not indicative of the wealth manager's future performance. Five Star Professional conducts market-specific research to identify service professionals who provide quality services to their clients. Five Star Professional joins forces with city and regional magazines to make the research results available to consumers in more than 45 markets across the United States and Canada. Five Star Professional was founded in 2003 and is based in Minneapolis, MN. For more information, go to: www.FiveStarProfessional.com.

Claro Advisors LLC ("Claro") is a Registered Investment Advisor with the U.S. Securities and Exchange Commission ("SEC") based in the Commonwealth of Massachusetts. Registration of an Investment Advisor does not imply any specific level of skill or training. Information contained herein is for educational purposes only and is not to be considered investment advice. Claro provides individualized advice only after obtaining all necessary background information from a client. Disclosures and Terms of Use.

© 2025 Claro Advisors, LLC. All rights reserved.