The first step in the investment process is a meeting in our office in which we discuss a variety of matters relating to your financial situation. We will ask you to bring a list of assets (what you own) and liabilities (what you owe), copies of bank and brokerage statements and information about any other assets you may have in order to provide you with a complete financial management evaluation. We'll discuss your plans for the future and any special concerns you may have, such as caring for an elderly parent or minimizing taxes in the transfer of your estate. This meeting is an opportunity to determine if we are compatible with each other. There is no charge for this initial consultation.


When a decision is made to proceed, the in-depth financial advisory process begins. We will begin to recommend proposed solutions, not products, to your financial concerns and indicate our recommendations for your complete financial management program. On an ongoing basis throughout our relationship, we will keep you informed on all matters affecting your financial management program and provide as much education on the financial management process as you desire.


In the weeks and months following the implementation of your financial management program, you will receive many documents in the mail. You are encouraged to call us or our staff any time you receive something you don't understand or have questions about any of the mailings received. If a major financial event occurs in your life, such as retirement distribution, death of a loved one, change in marital status, birth of a child or grandchild, sale of a home or business, or an anticipated receipt of an inheritance, it is important that you call so we can properly plan for the event and adjust your financial management plan as necessary.

Generally, we will schedule semi-annual meetings in which we will review your financial goals, measure your financial management investment performance and fine-tune your asset allocation to make sure you say on track to achieve your goals.