Juan G Hernandez-Ariano

My Process

Financial planning is the center of everything we do, and it's also the work other advisors come to us for. Since 2022, our team has run the planning desk for OneSeven, preparing more than 200 financial plans for advisory groups across the OneSeven network, and more than 600 financial plans overall. That experience shapes how we work with our own clients. We think of our role as a personal CFO for the families we serve, which means looking at your whole financial life together and coordinating the pieces that usually sit with different people, including tax planning, investments, home, auto, and business insurance, Medicare, estate documents, and the work of your CPA and attorney. We also built the practice so that this level of planning is available to families earlier on. About 40% of the households we work with would fall below the account minimums many firms require, and the planning process our team has refined over hundreds of plans is what lets us serve them without cutting corners on the plan itself. Our first meetings are mostly conversation. We want to understand what matters to you, what you're working toward, and what worries you before we get into account balances and tax returns. From there, we build a written plan that covers cash flow, debt, taxes, investments, insurance, retirement, education and student loans (an area where I also hold the CSLP® designation), and estate planning, prioritize the few things that will make the biggest difference first, and help you put them in place. After that, we meet regularly to review your progress and update the plan as your life changes, whether that's a new job, a new baby, a move, a business decision, or retirement.