We offer an initial consultation at no charge. We use this meeting to define clients’ goals and objectives, to analyze their current financial situation, and to determine if our styles would be a good fit. This meeting is a chance for clients to understand better how we can add value to their financial life, uncover issues they might have been overlooking, understand the costs involved in our services, and to see if they like us. In all cases, both parties need to agree to establishing a long-term working relationship, as we will be discussing very personal aspects of their life, their dreams and their values.
If we choose to work together, a client first completes our personal financial planning package and attaches appropriate documentation. We then begin the financial planning process by developing an Investment Policy Statement and ultimately designing an investment portfolio to help the client achieve their goals. Ongoing monitoring of the financial plan and investment portfolio involves annual meetings or more often if necessary.
At the end of this initial process, we produce our written analysis, which includes a summary of recommendations. And we work closely with the client to make sure all action items are implemented, usually within the two years. After that, fine-tuning the client’s investment life will be a constant.