This call is an opportunity for us to get to know each other. This is the fun part: talking about work, family, daily obligations, hobbies, the goals you have, the challenges you’ve overcome, and the questions you’d like to address about an uncertain future.

We will give you some insight to how we would work together and by the end of the call we should have a pretty good idea of how we can help and if you would like to move forward.

Here we can part ways or talk about next steps. It’s up to you.

Step 1 - Personal Finance

Once we mutually agree to work together, we’ll dive in to review your current situation.

Having a clear understanding of what you owe, and what you own is fundamental to developing a strong and sustainable savings and investment strategy. During this meeting we will work together to gain a better understanding of your cash flow, balance sheet, your thoughts on investing, and your long-term needs and goals.

With the information you provide we’ll begin to analyze your current trajectory and make note of any topics we should discuss in a follow up meeting.

After reviewing your current retirement trajectory we will meet to address any outstanding questions, review our findings and discuss any actions we would recommend you take to keep you on track.

Step 2 - Wealth Management

Now that we have a clear picture of your current situation and the available resources that you will put toward reaching your retirement goals we must focus on investing and the risk that comes with it.

Your investment experience is defined by having a set of reasonable expectations for the path you ultimately choose.

During this meeting we will help you develop a detailed understanding of investment risk and the risk you might take to grow your wealth.

After developing your personal investment strategies, through your unique investment policy statement (IPS), we will discuss the implementation time line of your new financial plan. Once we are aligned in how we are going to help you work toward your goals we will begin to open the necessary accounts and transfer your existing assets under our management.

Step 3 - Estate Planning

Protecting your wealth and dreams is just as important as how you achieve them.

We are not attorney’s, however we can collaborate with yours or introduce your to some if you have not already drafted the basic estate planning documents. We can have an immediate impact by ensuring your beneficiary designations are correct and up to date.

We think just as important as achieving your goals is how you begin to communicate your values to the next generation. An important step that takes time as you begin to transfer your wealth. When appropriate, we will begin to educate the next generation so that all members can remain on the same page through constant communication giving them more space to grow into their future.

We find that our detailed understanding of the family’s values and objectives, along with our expertise is what allows us to deliver custom solutions for this generation and the next.

Step 4 - Your Future

Working toward your goals takes patience and discipline when seeking balance between today and tomorrow.

The work we do together will help create a more organized financial situation from which to plan from, align your goals with the strategies that we will implement to help you achieve them, and create a resource that you can turn to when things don’t go according to plan.

We hope that the short term impact of a financial plan can help to reduce stress, give you more time to focus on the day to day and create peace of mind knowing that you have taken steps to creating financial independence and security.

We will seek to meet on a regular basis to ensure we are staying on top of any changes that may occur and that our recommendations remain relevant. The frequency of these review will be no less than annually and usually held on a quarterly or semiannual basis. We otherwise are regularly monitoring your investments to account for any significant change.

Between reviews we encourage you to reach out as needed.