ESTABLISH AND DEFINE
OUR RELATIONSHIP We will clearly explain and document the services we will be providing to you and define both our and your responsibilities. This first step also includes a discussion of how we will be compensated, how long our professional relationship should last, and how decisions will be made.

GATHER INFORMATION,
INCLUDING YOUR GOALS All information regarding your financial situation will be assembled and we’ll work with you to define your personal and financial goals, understand your time frame for results, and discuss your tolerance level for risk. This is vital information we need to move forward.

ANALYZE AND EVALUATE YOUR FINANCIAL STATUS We analyze all gathered information to assess your current situation and determine what action is required to work towards your goals. This step may include analyzing your assets, liabilities, cash flow, insurance coverage, investments, and tax planning strategies.

DEVELOP AND PRESENT FINANCIAL PLAN RECOMMENDATIONS You will receive financial planning recommendations that address your goals, based on the information you provided. We review the recommendations with you and help you understand them, so you can make informed decisions. We carefully listen to your questions and concerns, and then revise our recommendations as appropriate.

IMPLEMENT
YOUR FINANCIAL PLAN Once the financial plan meets with your approval, we carry out our recommendations, coordinating the process with you and, when appropriate, other professional advisors, such as your accountant or attorney.

REVIEW
YOUR PROGRESS With your authorization, we will review the progress toward your goals and report to you, review your situation and adjust the plan, if needed, as your life changes.