Our Process

If you become a client of Karl H. Romero & Associates, Inc., we’ll help you chart the right course to financial independence. We’ll work with you to develop a comprehensive financial strategy and deliver ongoing services tailored to that strategy. Throughout the process, we’ll stay in touch and never lose sight of your individual needs and goals.

Here’s an overview of the client experience:

Determine Objectives

Develop financial plan based on client’s:

  • financial circumstances
  • investment style
  • risk tolerance
  • liquidity needs
  • income needs
  • time horizon
  • tax considerations
  • wealth transfer needs
  • philanthropic goals
  • survivorship goals
  • retirement goals
  • lending needs
  • insurance needs

Formulate a Strategy

The emphasis is on:

  • building or preserving wealth
  • asset allocation
  • long-term investment outlook
  • after-tax returns
  • tax effective wealth transfer
  • tax efficient borrowing
  • philanthropic gifting vehicles

Implement the Strategy

Evaluate objectives on ongoing basis:

  • from client’s perspective
  • from Karl H. Romero & Associates’ perspective


Review performance and objectives through:

  • ongoing portfolio review
  • monthly account reports
  • review meetings
  • financial plan updates