The first step is always the hardest, but if you’re ready for some guidance our team is here for you. Let’s start talking about where you are and where you want to go.
Our holistic approach to financial planning has been finely tuned over many years of helping clients like you pursue their goals and dreams through life’s ups and downs. By following our systematic yet flexible methodology, you can feel confident knowing your priorities will be supported in a strategic way.
When uncertainty is inevitable, it’s comforting to work with advisors committed to thoroughly understanding your priorities and proactively addressing any challenges or opportunities together as a team. Our process helps eliminate doubt by empowering you with a solid, forward-looking blueprint customized for your life.
The length can vary depending on your specific needs and situation, but our planning process typically takes between 2-4 months from the initial consultation to begin implementing the recommendations. From there, we’ll arrange regular meeting rhythms to talk about your progress and any new opportunities.
Our initial consultation is always complimentary and no obligation. If we decide to work together, our ongoing planning costs are based on a percentage of your total assets under our management, typically ranging from 1-1.35% annually. This covers investment management, ongoing advice, account services, and annual reviews. We’re happy to provide you with our specific cost schedule and payment options during your initial meeting.
During our first meeting, which usually lasts 60-90 minutes, we’ll spend the majority of the time listening to you discuss your financial picture, goals, concerns, and vision for the future. We’ll ask questions and take notes to gain a thorough understanding of your full situation. You can expect to be asked about your assets, income sources, debts, family dynamics, risk tolerance, timeline for goals, and any other factors relevant to your priorities. We aim to leave the first meeting with a clear grasp of your starting point so we can begin analyzing your needs and developing a customized strategy. There will be no pressure for commitment—it’s simply an information-gathering session.
We recommend formally reviewing your full financial plan at least annually to ensure it remains on track amid life’s changes. In addition, you’ll receive quarterly investment performance updates from us. Ongoing reviews allow us to monitor progress, rebalance as needed, and make proactive adjustments to account for any differences from your original projections and objectives. Regular check-ins are a key aspect of keeping your strategy dynamic.
While we aim to develop a blueprint that provides long-term direction, we recognize your needs and priorities are unlikely to remain static. That’s why your financial plan is intended to be fluid and adaptable over time, based on significant life events like marriage, children, retirement, inheritance, or job changes. If circumstances arise differently than expected, we can readily update your strategies and advice. Your dynamic situation requires a living plan that evolves. We make it a priority to be flexible.
Minimizing paperwork is a priority, though we do need to collect some key documents upfront to fully analyze your complete financial picture. These typically include tax returns, account statements, insurance policies, wills, and employee benefits information. We can often collect these documents digitally. From there, technology allows us to streamline our process. You should expect a reasonable amount of paperwork in the initial planning stages and then primarily online or digital interactions as your plan is implemented and monitored.
