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STEP 1 Initial Inquiry ADVISOR’S RESPONSIBILITIES: We provide a brief description of our services, philosophies, methodology, and fee structure. We’ll direct you to our firm’s Web site to help you learn more. CLIENT/CONSUMER’S RESPONSIBILITIES: If our services appear to fit your needs, we will schedule a Free Get Acquainted Meeting in person or on the telephone, and at the same time provide you with additional information to help you learn more. STEP 2 FREE Get Acquainted Meeting/Teleconference ADVISOR’S RESPONSIBILITIES: We meet with you free of charge in person or via teleconference. It’s an opportunity to exchange information about your needs and objectives, to further discuss which of our services are right for you, and to provide you an estimate of the cost of our services. Remember, we do not accept commissions, and instead charge for their services on an hourly (or portions of), as-needed basis. CLIENT/CONSUMER’S RESPONSIBILITIES: If you choose to use our services, we will provide a list of additional information that we will need to begin formulating your personal financial plan. STEP 3 Data Gathering and Initial Preparation ADVISOR’S RESPONSIBILITIES: After receiving your information, we will begin to review and develop your custom financial plan. We will prepare initial reports that we will discuss with you at your next meeting. CLIENT/CONSUMER’S RESPONSIBILITIES: You will need to gather the requested data and then possibly complete a risk tolerance questionnaire provided by us. This information will need to be provided to us before your next meeting. STEP 4 Interactive Goal Setting ADVISOR’S RESPONSIBLITIES: We will work with you to further discuss and clarify the information you have provided thus far, and to refine your financial goals and objectives. This will session require one or possibly two meetings. CLIENT/CONSUMER’S RESPONSIBILITIES: This is another opportunity for you to clarify your current situation, financial goals and objectives, and to discuss with us any additional questions and concerns. STEP 5 Analysis and Plan Formulation ADVISOR’S RESPONSIBLITIES: We refine the information you have provided and study various plan scenarios. We conclude our research and analysis, and produce the final reports that include observations, assumptions, specific recommendations, and an action plan for your unique situation. CLIENT/CONSUMER’S RESPONSIBILITIES: The ball is in our court. All you have to do at this point is await your next meeting with us. STEP 6 Presentation of Your Financial Plan ADVISOR’S RESPONSIBILITIES: We review your personal financial plan and our specific recommendations. CLIENT/CONSUMER’S RESPONSIBILITIES: Congratulations! You now hold your personal blueprint for financial success designed with your financial goals in mind. You are empowered with specific recommendations to implement your financial plan. If you wish, you may employ us further to assist you in carrying out that plan. STEP 7 Financial Checkups ADVISOR’S RESPONSIBILITIES: Periodic update meetings and reviews are essential to maintain good fiscal health. We can schedule these periodic meetings with you at whatever frequency you think appropriate. CLIENT/CONSUMER’S RESPONSIBILITIES: Financial planning is an ongoing process, not a one-time event. Proper implementation of a financial plan and periodic professional reviews are crucial to reaching your financial goals. We urge prompt attention. It’s about your financial future.
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