Our Process

Here’s How We Work

We offer ongoing financial advice as well as one-time engagements and periodic checkups. We provide reviews and second opinions on investment portfolios, tax strategies and risk management. As part of each engagement we give you step-by-step instructions so you can implement our advice.

In addition:

• We offer a free initial Get Acquainted Meeting. This is usually conducted in person.
• We will give you an estimate, upfront, of the expected fee.
• You can choose how much we work for you.
• We can work together in person, by phone or via e-mail.
• Annual checkups are recommended, but not required.

Process for Detailed Plans for First-time Clients

1. You schedule a Get Acquainted Meeting and complete a Confidential Questionnaire.
2. We provide you with a Client Service Agreement and Document Request Form.
3. You return the Client Service Agreement, the documents we requested, and a down payment of $500.
4. We review your documents and begin our analysis.
5. We contact you to schedule an Interim Meeting.
6. Following the Interim Meeting, we complete our analysis and contact you to schedule a Presentation Meeting.
7. We provide you with detailed recommendations and your reports at a Presentation Meeting. Your balance is due at the conclusion of the meeting.
8. You contact us with any follow-up questions. No charge for 30 days for clarifications of information presented.

Process for Financial Reality Checks and Live Advice Sessions

1. You schedule a Financial Reality Check or Live Advice Meeting and complete a Confidential Questionnaire.
2. You receive verbal advice during the two-hour meeting. Payment is due at the conclusion of the meeting.
3. We provide you with a written summary of the meeting and our recommendations by e-mail.

Process for Annual Reviews

1. You schedule an Annual Review Meeting and complete a Checkup Questionnaire.
2. Following the Annual Review Meeting, we contact you with any questions and complete our analysis.
3. You choose to either return for a Presentation Meeting or have us send you your reports by secure e-mail or mail.
4. You contact us with any follow-up questions.