Step 1: Community Outreach Or Initial Inquiry
When you contact us, we'll provide a brief description of our services, philosophies, methodology, and fee structures. We'll direct you to our web site or mail you an introductory packet to help you learn more. If our services appear to fit your needs, we'll schedule a "Get Acquainted Meeting." You review our introductory materials, or visit our web site to learn more, and then contact us for Step 2.
 
 

Step 2: Get Acquainted Meeting
The Get Acquainted Meeting 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. When you decide to engage our services, we will give you a list of additional information needed to begin formulating your financial plan.
 
 

Step 3: Data Gathering And Initial Preparation
When we receive your information, we begin to review and develop your financial plan. We prepare initial reports and identify additional information needed. In Step 3, you gather the data requested (including possibly, a cash flow worksheet and risk tolerance questionnaire). You may fax or mail this information to us.
 

Step 4: Interactive Goal Setting And Data Verification
As we review and analyze your situation, we discuss and clarify the information you have provided thus far. To do this, we may contact you by phone, fax, e-mail, and regular mail or ask you to come in for a meeting. You provide any additional information requested and further clarify your current situation, financial goals and objectives. You present any additional questions or concerns you may have.
 
 

Step 5: Analysis And Plan Formulation
We edit the initial information, as needed, and run additional scenarios, if applicable. We then conclude our research and analysis, and produce final reports for your personal financial plan, adding our observations and recommendations. As we move into Step 5, we will call you, and you simply schedule a meeting for the presentation of your plan. The ball is in our court in the interim.
 
 

Step 6: Financial Plan Presentation
In Step 6, we present and review your personal financial plan with you. We discuss all reports and provide you with a written summary of our observations and specific recommendations. 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 are due at the conclusion of our plan presentation meeting.
 

Step 7: Plan Implementation And Follow-Up
Proper implementation is crucial to reaching your financial goals. Whether you now implement and monitor the plan yourself, or contract with us to assist you, we urge prompt action.
 
 

At the conclusion of our engagement:
 You may elect to continue on an as-needed basis. There is no obligation to engage us further.
 You may call whenever you wish to initiate services (for instance, market conditions or circumstances within your life change).
 If you wish, we can be pro-active in reminding you to schedule periodic reviews. Many clients like to come in for an annual update visit.
 Once we remind you that you are due for a review, you are responsible for calling us to set it up.