Our Process

When you call our firm to receive more information about who we are and what we do, we will send you an Initial Consultation Questionnaire.  The Questionnaire is designed to create a profile of your current financial situation and a picture of your financial goals.  After we receive your completed questionnaire, we will schedule a complimentary initial consultation meeting.  We will discuss where you stand today and get to know more about your current financial situation.  We will spend time talking about your goals and discover the steps to take to bring them closer to reality.  You will have an opportunity to interview us and ask questions about the financial planning process.  We will also provide you with an overview of how we do business and a preview of what services are available to clients.  If we both decide that we are a good fit to work together, we will then proceed to the next steps.

Once we decide that we are a good fit, it is time to get to work.  At the data collection meeting we will review all the information you submitted to us in response to the forms we will send you after the first meeting.  We will discuss your specific goals, timelines, etc. The purpose of the meeting is for us to get all the facts about your financial situation and to get to know enough about you and your preferences and objectives so we can essentially “put ourselves in your shoes”, apply our knowledge and experience, and prepare a plan of action.

We will present your initial financial plan that will be updated and revised as you move through your financial life.  This is based on all our assumptions, including your assets, projected rates of growth, liabilities, living expenses, extraordinary expenses, estimated inflation and life expectancy. The most important thing we provide you – in our opinion – is the agenda, which is our way of ensuring that we document everything we discuss and recommend in simple “English” – with the idea that you can review the agenda as needed after the meeting and remember what we talked about.

As we implement your plan, we will continue to prepare an agenda for each meeting to work together to monitor your progress. Once your plan is in place, we will meet on a regular basis either annually or more frequently as needed depending upon your situation. Our policy is to collaborate with our clients and work as a team.