QFG Process – Quiñones Financial Group

WELCOME

Dear Client, Welcome to Quiñones Financial Group, Inc. (QFG) Our commitment is to accompany you on your path toward financial independence with a fiduciary, transparent, and human approach. Thank you for trusting us as your strategic partners.

– José E. Quiñones, CFP®, CIMA®

Managing partner – Quiñones Financial Group, Inc.

THE FINANCIAL PLANNING PROCESS

As fiduciaries, we follow a process built on the standards of the CFP Board. This ensures every step is transparent, objective, and always in your best interest. To make things clear, we’ve organized our approach into four stages:

Discover

We begin by learning about your goals, values, and financial situation through an initial conversation.

Plan

Once we have the necessary information, we analyze your situation and present recommendations tailored to your needs.

Implement

Together, we decide on the best course of action and put your plan into motion.

Review & Adjust

Each year, we track progress and make updates as needed to keep your plan aligned with your goals.

ANNUAL SERVICE MODEL

We structure our client relationships through an annual financial planning process designed to ensure consistency, clarity, and ongoing follow-up. We evaluate whether your original objectives remain aligned with your savings plan, your income, lifestyle, tax strategy, investment performance, and overall risk.

This process helps keep you on track toward achieving financial independence.

First Quarter – Review of the most recent income and expenses.
Mid-Year – Assessment of your current financial condition, investment plan progress, risk exposure, stress testing and probability of success.
Year-End – A comprehensive review of your financial plan, including any necessary updates or adjustments.

required documents:

Bank statements
Most recent tax returns (last 2 years)
Review of insurance coverage (life, health, disability)
Most recent investment statements
Other relevant documents (wills, trusts)