APEG G.O.A.L.S.

This course is closed for enrollment.

APEG Linking the 5 Segments

Why G.O.A.L.S.?

Most clients operate with five distinct plans established by several professionals. The estate plan is usually developed by the attorney. The income taxes are prepared by a tax professional. The insurance plan is developed by one or more insurance agents. The income plan is developed by either the investment advisor or the insurance agent. The investment plan is established and monitored by the investment advisor.

Unfortunately, these five individual plans are rarely connected. The attorney may provide Durable Power of Attorney documents to address an incapacity but usually doesn't discuss the way in which an incapacity would be funded. The investment advisor might select great investments but not be aware of the totality of the income tax repercussions.

A Comprehensive Financial Planner is the solution to linking together the five disconnected segments of the client's plan. This planning professional helps to thoroughly understand the client's situation, isolate specific goals and desired outcomes and coordinate with the various professionals needed to help the client accomplish their goals.

APEG's proprietary client engagement process is called G.O.A.L.S. With G.O.A.LS., the planner focuses on Goal Orientated Actively Linked Segments to assemble a Comprehensive Financial Plan. This Engagement Process is founded on optimizing the five segments of financial planning to form one complete financial plan.

Under the G.O.A.L.S approach, the five segments are presented in a specific order to gather information and recognize goals so that each segment builds on the prior segments.

APEG recognizes that when a planner is with clients, the planner is focused on listening to the clients story. Unfortunately, this focus often conflicts with gathering useful information in a disciplined manner. We make it easier for professionals to help clients define and plan to achieve their goals. To aid our members in the planning process, we provide client-friendly Planning Support Tools that help build trust and provide clarity:

  • First Meeting Booklet: “An Overview of Goal-Based Financial Planning
  • Initial Interview : “Planning to Your Goals”  
  • Annual Review: “Updating your Goals"
  • Goal Identifier: "A Roadmap to our Relationship"


APEG Overview to Financial Planning

First Meeting Customized* Brochure

This document is customized* to match your firm's color scheme, include your logo, individual name, address, phone number, email address and required disclosures. This piece opens up to a "spread" as seen below and allows you to effectively describe the order in which you will be addressing the five key planning segments and conduct the planning process. This will provide your clients with a take-away from your first meeting which reaffirms your commitment to Comprehensive Financial Planning long after your meeting has ended.

APEG GOAL Based Planning
APEG Interview Process

Customized* Interview Forms

A key to knowing your client is not just gathering the right information, but gathering the right information in the right order.

APEG's Interview forms support the planner by organizing the gathering of information in such a way that information collected for one segment continually builds on the information gathered in the prior segments,

These Interview packets, one for the initial meeting and the other for the annual review, have descriptions before each section to help explain why the information is being gathered and how it is relevant to the Comprehensive Planning process.

APEG Interview Form
APEG Roadmap to the Relationship

Customized* Goal Identifier

After the client has been informed as to your planning process through the First Meeting Brochure, and the thorough yet efficient interview has been completed, the client's goals and desired outcomes will become apparent.

In order to begin the formalization of the client/planner relationship, the planner must first identify the issues that they recognized through their experience and education, coupled with the information obtained during the interview phase.

The planner can then use the Goal Identifier to "check-off" the issues they spotted through the interview phase. The client can review the planner's suggested issues and then prioritize the issues so the roadmap to the relationship can be established.

The goal identifier allows the planner and the client to agree in writing as to the scope of the relationship.

APEG Goal Identifier

Customized For Your Situation and Licensed for Public Display

In recognition of the uniqueness of your practice and the clients you serve, the APEG Planning Disk representing the planner and clients can be further customized to display a male or female planner, a male and female set of clients or same gender clients. We respect and support an inclusive planning community.

Additionally, as a Licensee of the APEG G.O.A.L.S. approach to planning, you may utilize the APEG Planning Disk in your marketing material and seminar slide decks to further demonstrate your competitive advantage. (Certain restrictions may apply)

APEG Graphic Options
*CUSTOMIZATION OF PLANNING SUPPORT TOOLS INCLUDES INCORPORATING YOUR FIRM’S LOGO, COLOR SCHEME, DISCLOSURES, NAME, ADDRESS, EMAIL AND PHONE NUMBER INTO PRE-DEVELOPED APEG COPYRIGHTED DOCUMENTS. CUSTOMIZED MATERIAL IS LICENSED TO AN INDIVIDUAL ONLY. EXPENSES ASSOCIATED WITH PRINTING ARE THE RESPONSIBILITY OF THE LICENSEE, LICENSEE IS RESPONSIBLE TO SUBMIT MATERIAL TO THEIR FINANCIAL FIRM'S COMPLIANCE OFFICER FOR APPROVAL PRIOR TO FINALIZATION. LICENSEE MUST ACKNOWLEDGE A LICENSE AGREEMENT BEFORE UTILIZATION WITH THE PUBLIC. EXAMPLES FEATURING PLATINUM WEALTH MANAGEMENT GROUP, INC. (PWMG) ARE FOR ILLUSTRATIVE PURPOSES ONLY. PLATINUM WEALTH MANAGEMENT GROUP, INC. AND APEG ARE UNRELATED ENTITIES. PWMG LOGO IS USED WITH PERMISSION.

Course Curriculum

  Introduction to APEG G.O.A.L.S. Approach
Available in days
days after you enroll
  Orientation to the G.O.A.L.S. Approach to Comprehensive Financial Planning
Available in days
days after you enroll
  G.O.A.L.S. Educational Series
Available in days
days after you enroll
  Request your customized client-friendly materials
Available in days
days after you enroll
APEG Questions and Support
APEG Disclosure