Over the first twelve months of our relationship, we will work with you to develop a customized financial plan.

 

A series of five educational meetings will help us understand your goals and your needs. These meetings also provide an opportunity for you to ask questions and get the information you need to make critical decisions about your financial life.

While we have a set structure for this process, we strive to be sensitive to your needs and can prioritize our discussions to address the issues most important to you.

You can expect each meeting to last ninety minutes. You will receive written documentation following each session. Our goal is to complete the first three meetings within three months.

MEETING ONE
Goal Setting: Through a structured conversation, we develop a set of specific, tailored short and long term goals that reflect your unique financial situation.
Risk Analysis: We will review your responses to a comprehensive risk tolerance survey to ensure that our investment recommendations fit your needs and comfort level.  

MEETING TWO
Investment Policy Guidelines and Portfolio Recommendations: We will present our investment policy guidelines for your portfolio(s), based on your goals and risk tolerance. We will then share specific investment recommendations, along with an analysis of the potential impact to your income taxes, cash flow and investment costs.

MEETING THREE
Financial Independence: We will project your long term cash flow using proven tools that take into consideration portfolio performance, inflation, taxation and other factors. We will then design a recommended retirement savings strategy to meet your future cash flow needs, and illustrate how different choices may affect the outcome.
Income Tax Planning: We will go over your most recent income tax return and identify opportunities to optimize your tax liability.

MEETING FOUR
Risk Management: We will evaluate all of your current insurance policies, including home, car, liability, long term care, and life, and recommend changes, if necessary, to ensure adequate coverage at the lowest possible cost.

MEETING FIVE
Estate Planning: We will discuss your wishes with regard to estate planning and develop a customized plan to meets your goals and objectives. We can work with your attorney or recommend legal counsel to execute all necessary documents, whether your plan involves a simple will or a complex living trust.