Financial Planning

We appreciate the opportunity to present our firm and process we use to analyze your

personal circumstances. One of the benefits of working with a financial planner is the

ongoing, personalized advice you receive; especially from a planner with whom you have a relaƟonship and is

familiar with your goals and objectives.

Our financial planning process requires us to collect significant informaƟon to fully understand your current

financial landscape. Accurate and detailed informaƟon is key to projecƟng a realisƟc outcome. We base our

assumpƟons off historical and current modeling and can illustrate as much detail as you are willing to explore.

Our Four Meeting Process for Your Financial Plan:

Our Four Meeting Process for your Financial Plan is a dedicated and thoroughly designed approach to cater to your varied financial needs. We've carefully structured this process to provide a comprehensive financial canvas that encompasses a wide array of services, such as Investment Analysis, Retirement planning, and even analysis of major life changes. Beginning with an introductory meeting, we journey with you through data gathering, insightful discussions, and optional investment recommendations. This process ensures we understand your financial picture in depth and can provide personalized recommendations that align with your financial aspirations.

MEETING 1: INTRODUCTION - We get to know each other and beƩer understand reasons for seeking financial

guidance. We begin our relaƟonship with Financial Planning services only. You may choose to have us manage

investments under a separate agreement. In our ReƟrement Analysis PresentaƟon, we may recommend that

you speak to an outside professional to explore specific legal, insurance, or accounƟng soluƟons as we do not

provide legal advice, accounƟng services, or prepare tax returns. Outside professionals have their own terms of

engagement/fees and we do not receive referral fees from them. We will invoice you a flat fee for financial

planning services at the conclusion of our presentaƟon meeƟng. The cost will range between $1,500 - $2,000

depending on complexity. The fee is oŌen discounted if you which for us to manage your investments.

MEETING 2: DATA GATHERING - Together we review your information to gain a full understanding of your

financial picture. It is important for you to provide complete and accurate information as requested. This is a

confidential relationship and the information you provide will be treated as such. We only disclose confidential

information as required by law or as described in our Privacy Policy.

MEETING 3: PRESENTATION & DISCUSSION -We provide several scenarios including your current path and

recommendations to help you reach your goals. Ultimately, it is your choice to do what you feel is appropriate.

We will continue to work with you to implement recommendations you accept.

MEETING 4: INVESTMENTS (OPTIONAL) - After plan analysis, we offer recommendations and potential invest‐

ment management, either on our platform or as a supplementary service to assets held elsewhere. We aim to

blend your current risk tolerance with your account types, savings and distribution strategies, investment goals,

and long-term needs.

FOLLOW-UP 

From time to time after your plan is delivered, we may check in to inquire about progress, changes, or ongoing

needs to ensure success. We are happy to update your plan intermittently so you may evaluate plans of action

and explore additional life changes.

SERVICES THAT MAY BE INCLUDED AS PART OF YOUR FINANCIAL PLAN

Budgeting Analysis  Divorce/Marriage Planning Portfolio Review & Allocation

Investment Analysis Insurance Planning Tax Analysis

Retirement Planning Education Planning Debt Elimination/Credit Planning

Other Investment Analysis Medicare & Social Security Charitable Giving

Final Wishes Planning Business Consulting Analysis of Major Life Changes