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The Wealth Management Process

We use the following comprehensive Wealth Management Process to help our clients address their key concerns:


Introductory Meeting ---> Discovery Meeting ---> Investment Plan Meeting ---> Mutual Commitment Meeting ---> New Client Welcome Meeting ---> Financial Plan Input Meeting ---> Financial Plan Presentation Meeting ---> Progress Review Meetings and Advanced Plan


1. Introductory Meeting: At our introductory meeting, we determine if our process and philosophy match what you need from a financial advisor. We also discuss our Wealth Management Plan and Process and next steps.

2. Discovery Meeting: At this meeting, we will complete the discovery process, which is an in-depth discussion of your values, goals, relationships, assets, advisors, planning process, and interests. This helps us get to know you and identify the challenges you face in pursuing all that is important to you. We examine your current situation, the goals you would like to pursue, and how we can maximize your probability of success. 

3. Investment Plan Meeting: At this meeting, we present our analysis of your current situation and our recommendations for how we can bridge the gaps for you to pursue your goals. This plan forms the foundation for all our work together.

4. Mutual Commitment Meeting: At this meeting, we are ready to make a mutual decision about whether our firm can add substantial value and whether we should proceed. If we both choose to work together, we will execute the documents necessary to put your investment plan into motion.

5. New Client Welcome Meeting: When you have multiple investment accounts, it’s easy to become overwhelmed with the amount of paperwork you receive. At this meeting, we help you organize your statements and other documents. We also answer any questions you may have, so that you understand exactly what is happening with your money.

6. Financial Plan Input Meeting: At this meeting, we gather and input the necessary information to complete a comprehensive financial plan.

7. Financial Plan Presentation Meeting: At this meeting, we present your financial plan. This includes:

  • Retirement Planning: After defining your retirement goals, the financial plan will calculate your probability of success. We discuss alternative scenarios.
  • Major Purchase Planning: The financial plan will determine how a major purchase will affect your financial goals.
  • What If? Scenarios: The financial plan will also address alternative “what if?” scenarios, including how an extended market loss, low returns, higher inflation, Social Security or pension cuts, early death or living too long, and the cost of long-term care, may affect your retirement plan.
  • Income and Asset Protection Planning: The plan will review your current income and asset protection to determine if there are any gaps in coverage. If so, the plan will include the appropriate recommendations.

 8. Regular Progress Review Meetings/Advanced Plan Presentation Meeting: These meetings, which we schedule at intervals convenient to you, provide us an opportunity to review any major changes in your personal or financial situation since our last meeting. If these changes mean that we need to adjust your investment plan, we do so. We also review your overall progress towards your long-term financial goals. During the first progress meeting, we will also discuss the opportunity to implement advanced planning recommendations that may be appropriate for your situation. The advanced plan will help us to prioritize those areas of greatest importance to you and then begin to address them systematically. We work with a network of professionals to help our clients maximize their success.