The Hurlow CFO Process™
You Can Trust Hurlow to Guide Your Financial Life.
As a team, we’ve perfected the client experience we now call our CFO Process™ (Coordinated Financial Overview)
Our process is built to help you feel educated and empowered – so you can spend, save, give, and live the life you want, with confidence in the choices you’re making.
Start with a conversation
Fit Meeting
Our relationship starts with a meaningful conversation designed to build the foundation of trust. During this initial meeting, we listen carefully to understand what matters most to you and your family and introduce our team’s approach and expertise. This pressure-free discussion allows us to learn your unique story, understand the challenges you face and determine if our services align with your specific needs. There’s no preparation required on your part, no cost to attend, and absolutely no obligation. In fact, the only decision we will ask you to make is whether to schedule another meeting.
Build a complete financial picture
Get Organized Meeting
- We collect and analyze your financial documents, bringing scattered information into one coherent picture.
- We build your personalized financial website, creating a secure, 24/7 accessible hub for your complete financial landscape.
- We clarify your financial priorities through thoughtful discussion, ensuring we understand what truly matters to you.
- We confirm critical financial data to establish an accurate baseline for planning.
- We explore preliminary “what-if” scenarios that illuminate possible pathways and opportunities for your financial future.
Turn insight into action
The Planning Meeting
With your complete financial picture in view, we are ready to make formal recommendations:
- We review our investment management strategy to align with your risk tolerance and timeline, thereby creating a disciplined strategy that adjusts strategically, not emotionally.
- We begin Midwest Millionaires™ Financial Planning by identifying financial planning priorities and making recommendations, starting with critical and urgent issues.
- We create a detailed action plan that transforms abstract goals into concrete, achievable steps with clear timelines and responsibilities, so you always know what’s happening and what comes next.
ACTIVATE THE STRATEGY
The Implementation Phase
- We ensure a smooth transfer of accounts, handling the paperwork and communications to minimize disruption to your life.
- We make investment changes methodically, aligning your portfolio with your goals, risk tolerance, and timeline.
- We collaborate with your other advisors, including tax professionals, attorneys, and insurance agents, to ensure all aspects of your financial life work together seamlessly.
- We meet regularly to ensure your strategy is on track and address needed adjustments promptly
Ongoing Review
AND MONITORING
Midwest Millionaires™ Services
The culmination of this process are Hurlow’s unique Midwest Millionaires™ Services.
Hurlow Wealth Management sets the standard for what financial services should be by operating as a true personal CFO – transparent, disciplined, and fully accountable – rather than a transactional advisor focused on products or commissions.
With your full financial picture already understood, we are able to deliver coordinated Investment Management, Financial Planning & Wealth Management, Life Coaching, and Legacy & Continuity Planning services with intention and consistency. The result? You can spend, save, give, and live intentionally, knowing your plan is actively working in the background.
Schedule Your
Fit Meeting
No preparation needed and no obligation - this is a short conversation where we find out if we’re a good fit for each other.
Extending the CFO Process™ to Your Business
For our personal clients who own a business, Hurlow provides access to our Business CFO Process™ - bringing the same disciplined, fiduciary-driven approach to your company’s investment and retirement plans. We serve as a fiduciary, document our role contractually, and clearly define the responsibilities we assume on your behalf.
Business Fit Meeting
We begin with an introductory meeting to understand your company, your retirement plan, and your responsibilities as a fiduciary.
We introduce our team, explain our process and compensation, and determine whether our approach aligns with your business needs.
This meeting is purely exploratory—no preparation required and no obligation to move forward.
Discovery & Plan Assessment
Through focused discussion, we clarify your business objectives and employee goals, establishing a complete understanding of how the plan functions today—and where improvements may exist.
Benchmarking & Plan Design
Working closely with your Third-Party Administrator (TPA), we assess and refine plan design to ensure it supports owners, executives, and employees while meeting regulatory requirements and fiduciary best practices.
Investment Selection & Monitoring
Using this framework, we evaluate current investments, implement changes where appropriate, and monitor the plan’s investment lineup on an ongoing basis—documenting decisions to meaningfully reduce fiduciary risk.
Ongoing Fiduciary & Participant Support
For participants, we offer individualized guidance covering retirement readiness and broader financial planning—helping employees make informed decisions while strengthening the overall value of the plan.