A Holistic Approach to Financial Planning” is a comprehensive method of managing your financial well-being that takes into account all aspects of your financial life, rather than just focusing on individual components in isolation. It recognizes that your finances are interconnected and that decisions made in one area can have a ripple effect on others.
rotors, calipers, pads, hard‑ware (pins, clips) and braided stainless lines if included
floor jack, jack stands (rated for your vehicle), wheel chocks, lug‑nut socket, torque wrench, caliper‑piston compressor or large C‑clamp, and brake‑lube
matching OEM spec (DOT 4 or DOT 5.1), plus a turkey‑baster or bleach‑bulb syringe for topping off the master cylinder
gloves, eye protection, and a clean workspace on a flat, hard surface
1. Chock the rear (or front) wheels.
2. Loosen lug nuts slightly while vehicle is on the ground.
3. Jack up the car at the manufacturer’s jacking points.
4. Support with jack stands—never rely on the jack alone
1. Remove the wheel and lug nuts.
2. Inspect hoses and hardware for existing wear or leaks.
3. Unbolt the two guide‑pin bolts and hang the caliper with wire or a hanger—do not let it dangle by the hose
4. Remove the caliper bracket bolts, then the bracket and pads
1. If present, remove any rotor‑retaining screws.
2. Tap the rotor with a soft‑face hammer—alternate across top/bottom and sides—to break free from corrosion
Hub surface: Wire‑brush and apply a light coat of anti‑seize to prevent future rust‑bonding
Rotor faces: Wash new rotors with mild soap and water, then dry with a lint‑free cloth
1. Bolt the aluminum hat to the rotor with the provided hardware—start one bolt by hand to prevent cross‑threading, then torque sequentially
2. Safety‑wire or apply thread‑locker per kit instructions if required.
1. Position and torque the caliper bracket to factory specs.
2. Apply brake‑lube to pad backing plates and bracket contact points—avoid any lube on the friction surfaces
3. Compress the caliper pistons slowly using a compressor tool or C‑clamp over an old pad, monitoring the fluid reservoir to prevent overflow
4. Slide the new pads into place; install the caliper over the rotor/bracket assembly and torque guide‑pin bolts to spec
Replace rubber hoses with stainless‑braided lines, tightening banjo‑fittings and installing new crush washers
1. Tighten all components.
2. Bleed each corner—start furthest from the master cylinder—until only clear fluid issues from each bleed nipple
3. Top off and secure the reservoir cap.
1. Reinstall wheel and torque lug nuts in the proper star pattern.
2. Lower the vehicle and perform a final torque pass on the wheel.
Drilled/Slotted Rotors: Perform five moderate to firm stops from ~40→10 mph, without full stops; then five stops from 35→5 mph.
Coated Rotors: Thirty controlled stops from 30→5 mph with 30 s cooling intervals between each.
Never douse hot rotors with water—use moderate driving to cool