About Anderson Financial Group
Five Step Approach
A clear, repeatable process that puts your goals first — from the first conversation to the annual review, and every step in between.
How We Work With Every Client
A Process Built Around You — Not Around Products
Most insurance and financial advisors lead with products. They have a carrier they prefer, a product they're comfortable with, and a pitch they've given a hundred times. The client's situation is secondary.
At Anderson Financial Group, we built our process around the opposite idea. We don't know what we're going to recommend until we understand who we're recommending it to. That's not a sales technique — it's just how good advice works.
Our five-step approach is the same for every client, whether you're a small business setting up employee benefits for the first time or a family reviewing your retirement strategy. The steps are consistent. The depth of each step scales to your situation.
The result is a recommendation you can feel confident in — because you understand it, you chose it, and you know it was built around your life, not a product catalog.
The Five Steps
- 01Get to Know You
- 02Analyze Your Current Situation
- 03Present Your Options
- 04Implement Your Plan
- 05Review & Adjust
Quick Links
"The best financial advice starts with the best questions — not the best products."
— Todd Anderson, Founder
Schedule an AppointmentThe Process in Detail
Each Step, Explained
Here's exactly what happens at each stage of the AFG client engagement — what we do, what we're looking for, and what you can expect as an outcome.
Get to Know You
Listen first. Recommend second.
Every great financial plan starts with a great conversation. Before we ever mention a product or a carrier, we take the time to understand who you are — your goals, your concerns, your family situation, your business, and what keeps you up at night. We ask questions that most advisors skip, because we believe the quality of our recommendations depends entirely on the quality of our understanding.
Outcome
A clear, shared understanding of your situation and what success looks like for you.
What We Cover
- Personal and family financial goals
- Current coverage and investment inventory
- Business ownership and succession considerations
- Risk tolerance and time horizon
- Budget and cash flow constraints
- Prior experiences with advisors — good and bad
Analyze Your Current Situation
Find the gaps. Spot the opportunities.
Once we understand your goals, we take a hard look at where you stand today. We review your existing insurance policies, investment accounts, benefits packages, and any estate or retirement planning documents you have. We're looking for gaps in coverage, redundancies that are costing you money, and opportunities to improve efficiency — all measured against the goals you shared with us in step one.
Outcome
A clear picture of where you are today, what's working, and what needs to change.
What We Cover
- Insurance coverage gap analysis
- Investment portfolio review and risk assessment
- Benefits package benchmarking (for businesses)
- Retirement income projection modeling
- Tax efficiency review
- Estate planning document review
Present Your Options
Clear choices. No pressure.
We don't come back with one answer and tell you to take it. We present your options side-by-side in plain English — what each one covers, what it costs, why we recommend it, and what the trade-offs are. You see the full picture. You ask every question you have. And you make the decision that's right for you. We're here to inform and advise, not to sell.
Outcome
A written plan you fully understand, with options you've chosen — not been sold.
What We Cover
- Side-by-side carrier and product comparisons
- Plain-English cost and coverage breakdowns
- Written summary of all recommendations
- Prioritized action steps with clear rationale
- Coordination with your CPA and attorney
- No obligation to move forward on any recommendation
Implement Your Plan
We handle the details so you don't have to.
Once you've decided how you want to move forward, we take care of the implementation. Applications, underwriting coordination, enrollment support, account setup, beneficiary designations — we manage the process from start to finish and keep you informed at every step. Our goal is to make this as seamless as possible so you can get back to running your business and living your life.
Outcome
Your plan is in place, properly documented, and ready to protect you from day one.
What We Cover
- Insurance application and underwriting support
- Investment account setup and funding coordination
- Employee enrollment support and communication
- Beneficiary designation review and updates
- Document organization and record-keeping
- Carrier and custodian coordination
Review & Adjust
Your plan grows with you.
A financial plan is not a one-time event — it's a living document that needs to evolve as your life and business change. We schedule annual reviews with every client to assess progress, re-shop coverage at renewal, adjust investment allocations, and make sure your plan still reflects your current reality. And we don't wait for the annual review to reach out — if something significant changes in the market or in your life, we'll be in touch.
Outcome
A plan that stays current, stays relevant, and keeps working for you year after year.
What We Cover
- Annual comprehensive review meeting
- Insurance renewal re-shopping and benchmarking
- Portfolio rebalancing and allocation review
- Proactive outreach at major life and business events
- Regulatory and market change updates
- Ongoing access to Todd for questions year-round
"Step five isn't the end of the process — it's the beginning of the next cycle. That's what a long-term relationship looks like."
— Todd Anderson, Founder & Principal Advisor
Our Framework at a Glance
How the AFG Process Works — Visually
The two diagrams below show exactly how we work with clients — from the first meeting through ongoing reviews — and the comprehensive wealth management formula that guides every recommendation we make.
Diagram 1 of 2
The AFG Client Engagement Process
Every client relationship follows a structured, repeatable process — beginning with a Discovery Meeting to understand your goals and culminating in a personalized Investment Plan and Advanced Plan. From there, regular Progress Meetings keep your plan aligned with your life as it evolves. This isn't a one-time transaction; it's an ongoing partnership built around your changing needs.
The AFG Client Process — A structured five-meeting sequence that moves from discovery through implementation and into an ongoing review cycle, ensuring your plan stays current as your life changes.
Diagram 2 of 2
The Wealth Management Formula: WM = IC + AP + RM
True wealth management is more than investment selection. Our formula combines three equally important disciplines: Investment Consulting (IC) — building and managing a disciplined, goals-based portfolio; Advanced Planning (AP) — addressing tax, estate, risk, and cash flow planning holistically; and Relationship Management (RM) — coordinating your full team of professionals and keeping your plan aligned with your life. Together, these three pillars form a complete, integrated approach to your financial future.
WM = IC + AP + RM — Investment Consulting, Advanced Planning, and Relationship Management work together as a unified system — not three separate services, but one integrated wealth management approach.
Ready to Begin?
Step One Starts With a Conversation
Schedule a free, no-obligation consultation with Todd. We'll listen, ask the right questions, and let you know honestly whether we're the right fit to help.