Step 1: Initial Inquiry OUR RESPONSIBILITIES: We provide a brief description of our services, philosophies, methodology, and fee structure. YOUR RESPONSIBILITIES: If our services appear to fit your needs, you will schedule a free “get acquainted” meeting, which we can do in person, by telephone, or by web conference. You may be asked to provide some basic information about yourself and your goals in advance of that meeting.

Step 2: Free “Get Acquainted” Meeting OUR RESPONSIBILITIES: This will be an opportunity to exchange information about your needs and objectives, to further discuss which of our services are right for you, and to provide you an estimate of the cost of our services. Remember, we do not accept commissions, but instead charge for our services on an hourly or project basis. YOUR RESPONSIBILITIES: If you choose to use our services, you will be asked to complete a client questionnaire and to provide certain documents detailing your financial situation, which we will use to begin formulating your personal financial plan.

Step 3: Data Gathering and Initial Preparation OUR RESPONSIBILITIES: After receiving your information, we will begin to review and develop your custom financial plan. We will prepare initial reports, which we will discuss with you at our next meeting. YOUR RESPONSIBILITIES: You may be asked to provide some additional information at this stage.

Step 4: Interactive Goal Setting OUR RESPONSIBILITIES: Depending on your individual circumstances, this meeting may or may not be necessary. If it is, it can be done in person, by phone, or via web conference. We will work with you to further discuss and clarify the information you have provided thus far, and to refine your financial goals and objectives. YOUR RESPONSIBILITIES: This is another opportunity for you to clarify your current situation, financial goals and objectives, and to discuss with us any additional questions and concerns.

Step 5: Analysis and Plan Formulation OUR RESPONSIBILITIES: We will refine the information you have provided and study various plan scenarios. Once we have concluded our research and analysis, we will produce a final report that includes observations, assumptions, specific recommendations, and an action plan for your unique situation. YOUR RESPONSIBILITIES: The ball is in our court. All you have to do at this point is await our next meeting.

Step 6: Presentation of Your Financial Plan OUR RESPONSIBILITIES: We present our primary recommendations and make sure that you understand them and their rationale. We also present a written plan, which contains more details and is useful for you to refer back to, as needed. YOUR RESPONSIBILITIES: Congratulations! You now hold your personal blueprint for financial success, designed with your financial goals in mind. You are empowered with specific recommendations to implement your financial plan. If you wish, you may engage us further to assist you in carrying out that plan.

Step 7: Financial Checkups OUR RESPONSIBILITIES: Periodic update meetings and reviews are essential to maintain good fiscal health. We can schedule these periodic meetings with you at whatever frequency you think appropriate. YOUR RESPONSIBILITIES: Financial planning is an ongoing process, not a one-time event. Proper implementation of a financial plan and periodic professional reviews are crucial to reaching your financial goals. We urge prompt attention. It's about your financial future.