Process

Our Process

Step 1: Initial Inquiry

ADVISOR'S RESPONSIBILITIES: We will provide a brief description of our services, philosophies, methodology, and fee structure. We'll direct you to our Web site or send you information to help you learn more.

CLIENT/CONSUMER'S RESPONSIBILITIES: If our services appear to fit your needs, we will ask you to complete and return our Confidential Questionnaire. Upon receipt of your completed Confidential Questionnaire, we will contact you to schedule a Get Acquainted Meeting.

Step 2: FREE Get Acquainted Meeting

ADVISOR'S RESPONSIBILITIES: During this 30-45 minute 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. Fees are based only on the amount of time spent evaluating your financial situation and meeting with you to provide specific recommendations.

CLIENT/CONSUMER'S 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.

Step 3: Data Gathering and Initial Preparation

ADVISOR'S 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.

CLIENT/CONSUMER'S 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

ADVISOR'S RESPONSIBLITIES: Depending on your individual circumstances, this meeting may or may not be necessary. If it is, it can be in person or via teleconference. 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.

CLIENT/CONSUMER'S 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

ADVISOR'S RESPONSIBLITIES: 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.

CLIENT/CONSUMER'S RESPONSIBILITIES: The ball is in your advisor's court. All you have to do at this point is await your next meeting with your advisor.

Step 6: Presentation of Your Financial Plan

ADVISOR'S RESPONSIBILITIES: You and your advisor review your personal financial plan and our specific recommendations.

CLIENT/CONSUMER'S 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: Follow Up

ADVISOR'S 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.

CLIENT/CONSUMER'S 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.