(0 to 2 Weeks from Initial Contact)
The first step towards financial fulfillment begins with a complimentary 15-minute call.
During this initial conversation, we familiarize ourselves with one and other, assess your current financial situation, and set expectations for future outcomes. If you decide that I’m the right fit, we schedule our next meeting.
At this point, I ask you to gather a comprehensive list of financial documents for our discussion during the next meeting. Documents can be delivered ahead of time or brought to the meeting.
(1 to 4 Weeks from Initial Contact )
Our next crucial step is the discovery phase of your plan. We lay the foundation of your financial goals by learning who you are. We get to hear more of your story, what keeps you up at night, what excites you, and what you hope for. We help you dream bigger or scale your lifestyle back depending on your current situation.
Regardless, we spend time talking about what matters most to you and your financial stability.
At this point, you decide which services you would like to receive: Ongoing Financial Planning, a One Time Financial Plan, and/or Wealth Management.As a Wealth Management Client, I take you through an Investor Risk Tolerance Questionnaire to determine your risk tolerance for future investments.
We sign an agreement and I begin work on your Financial Plan immediately. Plans take up to 4 weeks to develop based on your financial complexity.
FINANCIAL PLAN DELIVERY
(4 to 8 Weeks from Initial Contact)
Preparation meets action during this meeting. I deliver your Financial Plan and break down each component.
You receive a complete analysis in each of your applicable Financial Components: employee benefits, savings targets, debt repayment, investment goals, retirement planning, insurance, estate planning, and tax planning. Immediate, Short Term, and Long Term goals are all considered.
We provide an asset allocation assessment and education on your current retirement plan at work. You receive a Proposed Budget based on the goals discussed and the timeline in which you want to accomplish them.If you chose to be a wealth management client, I deliver a tailored investment portfolio according to your risk tolerance and your specific goals.
Lastly, we tackle specific questions that affect your finances such as: is re-financing your home beneficial, should you pay down your mortgage, how much should you save for your children’s future education funds, and are you on track to have enough for retirement?
(7 to 11 Weeks from Initial Contact)
We review what immediate action steps you have been taking and what actions steps still need prioritization. We evaluate how well you have implemented your Proposed Budget.
At this point, we might have to adjust the budget based on your adherence and potential changes of your goals.If necessary, I may refer you to my Financial Planning Network of professionals that are needed to implement your plan.
This might mean you need to visit a CPA, Estate Planner, Insurance agent, Healthcare agent, a local Medicare agency, Bank or Credit Union, etc. You also get a list of online resources and tools based on your needs to tackle your goals!For One Time Financial Plan Delivery Clients, this is the last opportunity for communication and assistance.
For On-Going Financial Planning clients, this is just the beginning of our relationship.