0/Our Process

STEP 1: Initial Inquiry

OUR RESPONSIBILITIES:

When you contact us, we will provide a brief description of services, philosophies, methodology, and fee structure. We will direct you to our web site to help you learn more.

YOUR RESPONSIBILITIES:

If our services appear to fit your needs, we will ask you to complete our Confidential Questionnaire and schedule a Get Acquainted Meeting.


STEP 2: Complimentary Get Acquainted Meeting

OUR RESPONSIBILITIES:

During this initial meeting, we review your completed Confidential Questionnaire to learn more about you, what you plan to accomplish and to gauge the scope of needed services. This is an opportunity to exchange information about your needs and objectives, to further discuss which of our services are right for you, and to provide you an estimate of the cost of our services. We do not receive commissions from the sale of investments or insurance products. Our fees are based only on the amount of time spent evaluating your financial situation and meeting with you to provide specific recommendations.

YOUR RESPONSIBILITIES:

If you choose to use our services, we will provide a list of additional information that we will need to begin formulating your personal financial plan. We would also like you to bring a copy of your relevant financial statements (i.e. bank, brokerage and retirement accounts.)


STEP 3: Data Gathering & Initial Preparation

OUR RESPONSIBILITIES:

 After receiving your information, we will begin to review and develop your custom financial plan. We will prepare initial reports that we will discuss with you at your next meeting.

YOUR RESPONSIBILITIES:

You will need to gather and return the requested data to your advisor. This information will be analyzed and used in the formulation of your customized financial plan.


STEP 4: Interactive Goal Setting

OUR RESPONSIBILITIES:

Depending on your individual circumstances, this meeting may or may not be necessary. If it is, it can be in person or by phone. The advisor will work with you to further discuss and clarify the information you have provided thus far, and to refine your financial goals and objectives.

YOUR RESPONSIBILITIES:

This is another opportunity for you to clarify your current situation, financial goals and objectives, and to discuss with your advisor any additional questions and concerns.


STEP 5: Analysis and Plan Formulation

OUR RESPONSIBILITIES:

Your advisor refines the information you have provided and studies various plan scenarios. We conclude our research and analysis, and produce the final reports that include observations, assumptions, specific recommendations, and an action plan for your unique situation.

YOUR RESPONSIBILITIES:

All you have to do at this point is await your next meeting with your advisor.


STEP 6: Presentation of Your Financial Plan

OUR RESPONSIBILITIES:

You and your advisor review your personal financial plan and our specific recommendations.

YOUR RESPONSIBILITIES:

Congratulations! You now hold your personal blueprint for financial success designed with your financial goals in mind. You are empowered with specific recommendations to implement your financial plan. If you wish, you may employ us further to assist you in carrying out that plan.


STEP 7: Financial Checkups 

OUR RESPONSIBILITIES:

Your advisor will provide you with an action plan which will include periodic review. Periodic update meetings and reviews are essential to maintain good fiscal health. You will be encouraged to contact our office to schedule periodic reviews or as the need arises.

YOUR RESPONSIBILITIES:

Financial planning is an ongoing process, not a one-time event. Proper implementation of a financial plan and periodic professional reviews are crucial to reaching your financial goals. We urge prompt attention. It’s about your financial future.