Financial Planning: How It Works

We understand that we aren't necessarily the right firm for every single person, and that's okay. 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 to point you in the right direction.

We want to ensure the information that we provide you with has been of value.

In general, our appointments book three to four weeks in advance. The consultation is typically one hour in length. There is a fee to schedule a consultation with our office. 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 to have available during your appointment.

After your Initial Consultation, you may choose to work with one of our Financial Planners in a longterm capacity. During the first three to six months of our relationship, we will meet rather frequently, scheduling appointments probably once every six weeks. The first few appointments consist of us gathering your information and beginning our research. We will review what you currently 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 it’s 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.