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Financial Planning You can Trust

Our Process

We have designed this process to give you a framework for making an educated and informed decision about working with us. Of equal importance, you will finish this process understanding where you are in respect to key areas that may affect your retirement success.

There is no cost or obligation for this process as we want you to know exactly how we can help you before you pay us a single dollar in fees or trust us with a penny of your nest egg.

If you are looking for a professional partner to help you align your money with the rest of your life, then we welcome the chance to discuss how we can work together for your success.

 We have found that collaborating with your accountant/tax professional and attorney when creating your financial plan helps to achieve the best outcome for you and your family and will request your permission to include them in the planning process.  Too many quarterbacks on the field calling different plays simultaneously may have serious consequences to your long term financial situation.  Putting you at the center and working with your professionals keeps us all playing for the same goal - you.


Initial Phone Call

Before committing your time, this 15-minute call will help us to learn more about each other to see if we are a good fit. We will talk about where you are today, what’s on your mind, if we offer the expertise you need, and whether we should take the next step.

No Obligation, Complimentary First Office Meeting – Information Gathering

The goal of this meeting is to learn about your story, hope and dreams and what keeps you up at night.  From there we will identify your goals and the life transitions that lie ahead of you.   You will receive prior to this meeting a simple data gathering questionnaire with a checklist of information to gather and bring to the meeting.

No Obligation, Complimentary Observations Meeting

At this meeting we will share our observations and give you ideas to consider, along with sharing how we might be able to help and an upfront discussion about our fees.. We will also discuss our observations with respect to the following 4 important questions:

  • How long will your money last?
  • Can you reduce your taxes in retirement and will it benefit you in your lifetime?
  • Can your portfolio be improved?
  • Can you eliminate, or at least reduce threats to your retirement?

We can schedule the next visit to sign forms to get our work together started, or feel free to take your time and sleep on it and let us know when you’re ready.*

If you have additional questions or concerns that come up later about the process or the observations discussed during this meeting, please reach out so you can get the answers you need.

*While we would love to work with you, if you decide that it’s not a good fit, we will wish you all the best and every success. In other words, there is never a hard-sell or pressure to say yes. We only ask that you let us know so that we will promptly remove you from any follow ups.

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Paperwork Meeting

During this meeting, we will cover all steps to open your accounts, specific investment recommendations, how to access your online portal, and what to expect from your partnership with us. You will also receive an additional goals-based questionnaire to complete that will help us understand how you wish your lifestyle to look in retirement.

Plan Delivery and Implementation

We will meet again a few weeks later to cover the detailed financial plan including what-If scenarios, recommendations, and implementation of the plan.  This meeting will be particularly collaborative and we will make necessary modifications so the plan works for you.  We want you to succeed and have learned that when clients participate in their own outcomes and are able to take ownership of their future, their chances of success are much greater.  

Begin Ongoing Guidance and Reviews

We provide ongoing support and advice for financial decisions made throughout the year. We want to be the first call you make when faced with a financial challenge or opportunity, acting as your financial partner and trusted advocate to help you with financial decisions, in real-time, as they occur.

We conduct our regular review process, meeting one to two times annually. We also construct an individualized communication annual plan so you understand what to expect when working with us. As always, our clients are encouraged to reach us at any time.