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OUR PROCESS

What You Can Expect:

Our 6 Step Process


Step 1: Initial Inquiry


Your ROle:

Schedule a call and let us know how we can help.

Our Role:

Listen.  Help you decide whether it makes sense to schedule a Get Acquainted meeting.  You need to feel we are a good fit for you, and we need to be certain that we can deliver our best to you.


Step 2: Complimentary “Get Acquainted” Meeting


Your role: 

Before we meet, share a little bit about your situation via our secure client portal.  What's on your mind?  What keeps you up at night?

Our role: 

Listen.  Understand your goals and challenges.  Answer your questions.  Assess whether we have the skills you need to breathe easier.  If so, we'll share how we can help you and discuss data, deliverables, fees, timeframe and next steps.


Step 3: Planning Starter


Your role:

Begin taking charge of your financial future by gathering your financial information.  Enter requested data in your personal financial planning website and upload documents to your secure Vault.

Our role:

Use our expertise to bridge where you are today with where you want to be.  Identify decisions and actions you can take today in areas such as saving and investing, spending and withdrawals, taxes, education, Social Security claiming, pension claiming, and risk mitigation, among others.  We want to see you walk with a lighter step when it comes to your relationship with money and the complex world of personal finance.
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Step 4: Presentation of Your Planning Starter


Our role:

Show you where you are relative to where you want to be.  Give you an Action Plan of decisions and steps you can take that are within your control.  Show you how to begin planning around things you can't control - the markets, national and world events, future tax changes, certain events in your own life, etc. - so that they won't mess up your plans.

Your role:

Ask questions.  Provide feedback.  Challenge us to empower you.


Step 5: 30-Day Question-and-Answer Period


Your role:

Use the next 30 days to absorb your Planning Starter and let us know what isn't clear, at no additional charge.  After this period, our initial engagement is complete.

The Planning Starter is just that - a plan for next steps based on your current situation, tax laws, and the state of the markets and the economy today.  If you decide that's all you want for now, you will have an additional eight months to enjoy your personal financial planning website.  After that, you should be prepared to implement, monitor, and adjust your plan going forward.  Contact us any time you would like to re-engage.  We will do our best to accommodate you on a space-available basis.  If it has been more than eight months or if there have been significant events in your life or the world, we will likely need to start over with a new Planning Starter.

Our role:

Answer questions about the work we have done so far. 


Step 6:  Planning Partner - Get the Full Value of Your Planning



Experience your plan in the real world (i.e. live your life).  Life changes, the world changes.  Financial planning is an ongoing process, and the amount of time and effort we each put into the discovery process of a first time engagement can get lost if we don't see you for a while.  Before we know it, your planning has gone cold -- it has fallen behind the unfolding of your life -- and we can't be as helpful. 

When you choose to engage us as a Planning Partner, you get the value of building on your plans, rather than covering the same ground again and again.  We'll work together to establish a review schedule, which typically involves quarterly check-ins, alternating between 15-30 minute phone calls and more in-depth one-hour meetings.  Setting appointments in advance ensures that you can rely on timely advice.  

OUR ROLE:

We will provide an annual fee quote and begin the process of capturing evolving goals and circumstances, monitoring progress, adjusting your portfolio to optimize risk and return, identifying tax-saving opportunities, and helping you stay on course throughout the year.

YOUR ROLE:

Give us your thoughts on what comes next.  



Align Your Assets With Your Aspirations