1. Share. We begin by sharing information—what are your values? What are your goals in life? Are career goals important to you? How do you value time spent with family and friends? Do you have other important responsibilities, such as caring for an aging parent or relative? Do you have specific financial goals? What do you expect from our business relationship? These are a few of the questions we’ll cover in an initial meeting. Sharing information helps us create more effective plans. The more actively you participate in the process, the better the plan.

2. Assess. We review your financial records (a list of essential information will be provided at the first meeting) in light of the information we shared at the initial meeting. We then determine the best course of action for you in a customized financial plan.

3. Review and Adjust. We meet again soon after the initial discussion and discuss your financial plan. Just as with a custom-made suit, we make adjustments based on a second look at the “fit”. A good financial plan is steeped in reality—the reality of your life—and is guided by sound financial advice.

4. Implementation. We are able to implement any steps recommended in the financial plan. (As Fee-Only planners, however, you are not obligated in any way to use our investment services). We have professional relationships with an extensive array of other business experts in the region, ranging from attorneys and accountants to real estate and business management professionals, should the need for specialized assistance arise.