Here's What to Expect

Every client engagement is different. That's because every client's goals and financial situation are different. Despite the variation, here is the framework we follow to ensure you're on the right path to achieving your financial goals.


Step 1: Establish the Relationship

The first step in the planning process is for you and the planner to get to know each other. In many cases, you may not even know if you want to work with a planner until after you've had the first meeting! This is why we offer a free 60-minute consultation, which can be conducted in-person, virtually, or via phone.

Typically, the planner asks a lot of questions at the beginning of the relationship. You should also be prepared to ask questions, too. For example, is the planner a fiduciary? In other words, does the planner always work in your best interest (Hint: They should be).

Here's a guide to the 19 questions you should ask every financial planner.


Step 2: Develop Your Goals and Get Organized

Once we're officially working together it's time to document all of your short and long-term goals. In addition, we'll need you to gather and share all of your financial information. This includes, but is not limited to, bank statements, retirement plan statements, tax returns, mortgage statements, and student loan statements.


Step 3: Analyze Your Information

Now that we have all of your relevant financial information, it's time for us to review everything and begin creating your financial plan, keeping your goals in mind. This is a time-intensive process during which the planner reviews all of your financial information and begins creating your custom financial plan.


Step 4: Explore Additional Opportunities

During the creation of a financial plan, new questions and opportunities often arise. It's not unusual for the planner to ask additional questions or to seek clarification on certain subjects.


Step 5: Implement the Plan

Now it's time for the client and the planner to to review the plan together, answer any oustanding questions, and implement the plan. During this step, accounts may be opened or rolled over, investments sold or purchased, changes made to retirement plans, or life insurance quotes obtained.

Remember, every client relationship is different, which means the number of items on the to-do list is too.


Step 6: Monitor and Adjust

Once the plan has been implemented, the planner will monitor everything and adjust as needed. Examples include, the planner tracking the client's spending habits and providing feedback on a monthly or quarterly basis, coordinating meetings with an estate attorney or insurance broker, or rebalancing investments.