Initial Meeting - The first meeting allows us to listen to your concerns and goals. There is no fee for this session. We will explain our services and answer your questions about the financial planning process. By the end of the meeting you will have a clear idea of how we can serve you and what our fee will be. If we mutually decide to proceed, we will schedule the information discovery meeting.

Second Meeting - We conduct the information discovery phase of financial planning during our next meeting. By reviewing previous tax returns, bank accounts, insurance policies and other documents, we will get an idea of your current financial position. We help identify your specific goals. We will also establish an agreement or retainer for services. Typically, half of the fee is paid at this meeting.

We then research options, make financial projections and develop a custom financial plan including specific recommendations for you to achieve your goals.

Third Meeting - We explain your financial plan and our recommendations during the next meeting. You may choose to implement the recommendations on your own but many clients prefer to retain our services for the year. We will explain in detail how to best reach your goals and objectives.

Regular Reviews - If we are managing your assets as part of a yearly retainer, throughout the year we will meet with you to discuss your investments and asset allocation to examine how your portfolio is progressing and if necessary, make any changes. Some clients like to meet quarterly, while others meet on an "as needed" basis. It is up to you.