Planning Process

The planning process will typically follow the steps listed below.

1. Initial Inquiry – First, we invite you to browse our website to learn about our business, services, and philosophies.  If our services appear to fit your needs, then please contact us for more information.  You may be asked to fill out one or more of the questionnaires.  You will also provided with a copy of our disclosure brochure.
   
   
2. Get Acquainted Meeting – Our advisers meet with you in person.  This is an opportunity to exchange information about your needs and objectives, to expand on information from the Questionnaire(s) that were filled out, and to discuss which of our services are right for you.  If you choose to use our adviser’s services, you and the adviser will sign an agreement listing the services that will performed and the cost estimate for those services. 
   
   
3. Data Gathering and Initial Preparation – The adviser may also provide you with a list of additional information that you will need to gather and return to the adviser in order to adequately design your plan.  After receiving the information you have gathered, your adviser will review your questionnaire and any additional data provided, and begin to develop your customized financial plan. 
   
   
4. Interactive Goal Setting – Depending on your individual circumstances, this meeting may or may not be necessary.  If it is, it can be in person or via a teleconference.  The adviser works with you to further discuss and clarify the information you have provided and to refine your financial goals and objectives.  This is another opportunity for you to clarify your current situation, financial goals and objectives, and to discuss with your adviser any additional questions and concerns.
   
   
5. Analysis and Plan Preparation – Your adviser refines the information you have provided and studies various plan scenarios.  Based on the analysis of the information, your adviser prepares a final report for your unique situation.
   
   
6. Presentation of Your Financial Plan – You and your adviser meet to review and discuss your adviser’s findings and recommendations.  With your personal financial plan designed with your financial goals in mind, you are now empowered with specific steps you can take to make your dreams come true.
   
   
7. Financial Checkup – Financial planning is an ongoing process – not a one-time event.  Periodic update meetings and reviews are essential to stay on track with your current goals and to design a path for new goals as the circumstances in your life change.  Your adviser can schedule these periodic meetings with you at whatever frequency you think is appropriate.