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Our job is to help you weigh your options so you can make wise money decisions


Seven steps

Step 1: Initial Inquiry

Advisor Actions / Responsibilities 

When you contact us, we'll provide a brief description of our services, methodology and fee structure. We'll direct you to our web site to help you learn more.  We'll schedule a Get Acquainted Teleconference or direct you to an On-the-Spot Advice Session after discovering which would best suit your needs.

Client Actions / Responsibilities

If our services appear to fit your needs, you may request our services by completing the Confidential Questionnaire and then calling or e-mailing to schedule an appointment.

Step 2: Get Acquainted Teleconference

Advisor Actions / Responsibilities

The Get Acquainted Teleconference is an opportunity for us to exchange information about your needs and objectives, and further discuss which of our services are right for you. We will also provide an estimated fee quote.

 Client Actions / Responsibilities

We will give you a list of additional data or information which we will need to begin formulating your financial plan.  You will schedule the "Data Gathering" meeting (generally an hour).

Step 3: Data Gathering and Initial Preparation

Advisor Actions / Responsibilities

When we receive your information at the Data Gathering meeting, we will clarify the information that you bring and will begin to review and develop your financial plan. We prepare initial reports to discuss at our, if needed, Step 4 meeting.

Client Actions / Responsibilities

You gather the data requested, and complete your risk tolerance questionnaire. One-half of the estimated total fee is due at the time of the Data Gathering meeting.  If needed, we will schedule our Step 4 meeting.

If needed, Step 4: Interactive Goal Setting Meeting or Teleconference

Advisor Actions / Responsibilities

In this interactive meeting, we discuss and further clarify the information you have provided thus far. We continue to refine your financial goals and objectives.

Client Actions / Responsibilities

In this Interactive Goal Setting Meeting, you have another opportunity to clarify your current situation, financial goals and objectives. Come with any additional questions or concerns you may have.           

Step 5: Analysis and Plan Formulation

Advisor Actions / Responsibilities

We edit the initial information as needed and run additional scenarios if applicable. We conclude our research and analysis, and produce final reports for your personal financial plan. We add our observations and recommendations to the plan.

Client Actions / Responsibilities

You simply schedule a meeting or teleconference 4-6 weeks after you have provided the information needed from Step 3. The ball is in our court in the interim.

Step 6: Presentation of Your Financial Plan

Advisor Actions / Responsibilities

We present and review your personal financial plan. We discuss all reports and provide you with a written summary of our observations and specific recommendations.

Client Actions / Responsibilities

Congratulations! At this point, you will hold a personalized blueprint, custom designed to meet your financial goals. Full payment of the balance for actual fees incurred is due at the conclusion of your plan presentation meeting.         

Step 7: Plan Implementation and Follow Up

Advisor Actions / Responsibilities

If you need and desire our help with plan implementation and follow up, at the conclusion of Step 6 we will discuss what might be an appropriate ongoing plan with you. Periodic update meetings and reviews are also recommended.

Client Actions / Responsibilities

Proper implementation is crucial to reaching your financial goals. Whether you now implement and monitor the plan yourself, or engage us to provide a additional education regarding the implementation process, we urge prompt action.


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