1️⃣ You will make the initial contact with me via email, telephone, or in person. We will schedule an initial virtual or in-person meeting.

2️⃣ During the initial virtual or in-person meeting we will gather information, discuss your goals, concerns, and opportunities. We will examine my Value Proposition so you may consider whether my services are a proper fit to achieve your financial objectives. This initial virtual or in-person meeting is complementary.

3️⃣ If you decide to work with me on your financial plan we will have a second virtual or in-person meeting. We will then sign a Letter of Engagement to define the scope and character of our working relationship;  the 50% deposit is paid at this point. Depending on what you choose we will focus on short-term, medium-term, and long-term goals and how to achieve them. Areas of focus may be net worth and cash flow analysis, risk management, retirement planning, asset management, tax planning, and estate planning. Based on this information, I will create your comprehensive or modular financial plan. 

4️⃣ We will have a third virtual or in-person meeting where your Comprehensive Financial Plan is presented. Please use this opportunity to ask me any questions about the plan. The remaining 50% of the fee to be paid at this point: when the plan is delivered to you.  I will assist you with financial advice for twelve months so that you may implement your financial plan to achieve your financial goals.  

5️⃣ We will review your financial plan at the end of the twelve month process. We will discuss any concerns you have to ensure you are comfortably following your financial plan and inline to achieve your financial objectives and lifestyle goals. This step completes our working relationship and financial advice.