The First Step
It all beings with compatibility.
We understand that we aren't necessarily the right firm for every single person and that's ok.
That is why the first step is called our, "Initial Consultation". We need to meet you and you need to meet us. We can do this either in person or via telephone.
We want to ensure that we are able to provide you with the type of information that you are seeking.
If we aren't, we will try and point you in the right direction.
There is a fee for this consultation that is collected at the end of our meeting. We collect payment at the end because we are a values-based firm.
We want to ensure the information that we provide you with has been of value.
In general, our appointments book two to three weeks out and are one hour in length.
Scheduling your appointment a few weeks out provides you the opportunity to complete our firm's Financial FactFinder as well as gather other documentation that is beneficial to submit prior to your appointment if you're comfortable doing so or have available during your appointment.
Beyond the Consultation
After we meet, assuming there is compatibility, of course, people ask "What's next?"
As an Investment Advisory Firm, we are both commission and fee-based.
Primarily, we work with our clients on a fee basis. The fee is entirely contingent on the level of planning needed therefore, we cannot accurately quote a "one price fits all" ahead of time.
As cliche as it can sound we like to compare this to calling a mechanic and saying, "There is a something wrong with my car, I am not sure what it is but I heard a noise. How much will it be to fix it?"
There is no way to definitively know until we have the opportunity to meet with you and review your information.
As a firm, we pride ourselves on being as "transparent" as possible. We are happy to disclose information to you up front on fees and services we provide.
If we mutually agree to work together we will begin the planning process.
The Planning Process
During the first three to six months of our relationship, we will meet rather frequently scheduling appointments probably once every six weeks.
During the first few appointments, we will gather your information and begin our research.
We will review what you presently have in place and ensure that it coincides with your expressed goals and seems suitable.
Once we have all of the information from you, we will make recommendations that might achieve your financial goals.
After you've had an opportunity to review those recommendations, we will discuss modifying or implementing them.
After we have implemented your financial plan it is imperative for us to continually monitor that plan.
We like to meet with our clients no less than 4 times a year either in person or via telephone.
Every three months might seem like a lot but think about how quickly life changes?
Families grow, families contract, people move, illness happens, people are promoted or decide its time to retire and those are just personal transitions that could impact a financial plan.
Now think of economic ones? Markets move frequently and can be volatile. Congress changes laws. Congress and the Internal Revenue Service make modifications.
Creating an opportunity for us to have a clear dialogue with our clients allows both parties to stay informed.