Established in 2001
Our Process
Initial Meeting
Our first meeting introduces you to our firm, outlining our services and fee structure. Prospective customers have many questions; feel free to ask. You’ll receive our Form ADV Part 2 disclosure with additional information.
Before the meeting, send us any information you’d like us to review, including investment statements, employee benefit packages, tax returns, insurance contracts, trust documents, budgets, mortgages, and other debt instruments. We will review these documents in advance to develop a meeting agenda and questions.
During the meeting, we will ask questions to understand your risk tolerance, goals, and expectations. By the end of our meeting, it is our hope that we both recognize the value in working together.
Planning
A typical plan includes coordinating an investment strategy with tax planning and cash flow. The plan may address other needs such as estate planning, insurance planning and debt management. We may need to contact you on several occasions to get a better understanding of the information provided.
A presentation meeting is the next step in the process. This gives us the opportunity to present our plan and to educate you on the reasoning behind our recommendations.
Once we mutually agree on a strategy, we can use the plan as a roadmap for the future.
Implementation
Implementation may include opening new investment accounts, transferring your investment accounts and, perhaps, consolidating some accounts. This process may take up to two weeks. The set-up of your accounts also includes providing you with the ability to view them online and on a mobile application. Once the accounts are set-up, investment changes will be made.
Maintenance
Monitoring involves viewing your investments on a regular basis. Reading company research, listening to corporate conference calls and keeping abreast of financial news. We also review your individual asset allocation on a regular basis. Tax Planning is a big part of the ongoing process. Coordinating investments with your taxes is a cornerstone to our approach.
Communicating and working together is essential. We are here for you. Please call us with any financial questions you have and with any changes in your goals or financial needs.
We encourage meeting with you at least once a year. This contact allows us to update your financial position and your ongoing plan. It also helps us measure and evaluate progress towards achieving your goals.
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