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The CLIMB Process: Your Roadmap to Successful Financial Planning

Welcome back to our blog where we endeavor to untangle the world of finance for you. In today's post, we're going to introduce you to a unique approach to financial planning: the CLIMB Process, which has been honed over the years by Ascend Investment Partners. So, let's embark on our ascent up the mountain of financial planning.

Financial Planning: The Hike Through the Investment Landscape

Much like life itself, investing can be messy and in a state of constant flux. But as we don't let the knottiness of spaghetti stop us from eating it, we shouldn't allow the perceived complexity of financial planning to deter us. In fact, planning aids us in navigating through the chaos, just like a fork helps manage the spaghetti. But beware, if not done correctly or at the right pace, it can cause more harm than good. Despite this, we should never abandon the practice of planning.

Financial planning is an ongoing process. It requires a balance of robustness and flexibility: robust enough to guide you, yet flexible enough to adapt to life's inevitable changes. Picture it as a mountain hike - once you've reached the peak of one, another mountain awaits you.

The CLIMB Process

Enter the CLIMB Process, a methodology that breaks down financial planning into manageable steps. Beginning with addressing your immediate financial concerns, it gradually broadens its scope until the entire financial picture is visible. But remember, it's not just about problem-solving, it's also about savoring the fruits of your diligent work. Celebrating every small milestone is a crucial part of the journey.

What is CLIMB?

So, what does CLIMB represent? It's an acronym for Characterize and Clarify, Leverage, Implement, Monitor, and Benefit. Each of these stages plays a pivotal role in shaping your financial future. Let's explore each stage.

Characterize and Clarify

The initial stage, Characterize and Clarify, revolves around your financial goals. We start by identifying the pressing issue at hand and characterize it as a financial goal. To address it, we need to clarify your current financial standing and desired end-point. This process is iterative and evolves with the changes in your life.


Following this, we apply Leverage. By leverage, we mean utilizing an additional force to strengthen your position. As Archimedes once declared, 'Give me a lever long enough and a fulcrum on which to place it, and I shall move the world.' We leverage our investment committee, our accumulated knowledge, experience, and professional network to enhance your financial standing.


The third stage involves the Implementation of the plan. This critical step involves translating the plan into action. When you collaborate with us, we handle the majority of this implementation process. We also coordinate with your other professionals to ensure a seamless integration of all facets of your plan.


After implementation, we diligently Monitor your financial plan. If changes occur, we're ready to adapt your plan proactively. This constant vigilance ensures that during times of volatility, panic is replaced by consistent, well-informed action.


Finally, it's time to reap the Benefits. We encourage you to celebrate your victories, regardless of their size. Savor the view from the peak you've just scaled. These milestones often lead to a reassessment of goals, which cycles us back to the first stage of Characterizing and Clarifying.


The CLIMB Process is a continual cycle of planning, implementing, monitoring, benefiting, and then re-planning. Always remember, the primary goal of financial planning is to position your dollars where they can perform the best. And if you seek personalized assistance and continuous monitoring, we're here to help. Don't hesitate to reach out.

Thank you for reading. If you found this post informative, be sure to like, share, and subscribe. And remember, life's a climb, but the view is spectacular.

The commentary on this website reflects the personal opinions, viewpoints and analyses of the Ascend Investment Partners employees providing such comments, and should not be regarded as a description of advisory services provided by Kesler, Norman & Wride, LLC dba Ascend Investment Partners or performance returns of any Ascend Investment Partners Investments client. The views reflected in the commentary are subject to change at any time without notice. Nothing on this website constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Ascend Investment Partners manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results. 

Ascend Investment Partners provides links for your convenience to websites produced by other providers or industry related material. Accessing websites through links directs you away from our website. Ascend Investment Partners is not responsible for errors or omissions in the material on third party websites, and does not necessarily approve of or endorse the information provided. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites.

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