What We Do

OUR APPROACH

FIRST MEETING - INITIAL CONSULTATION

The first step in the investment process is a meeting in our office in which our financial professionals 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 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. We will also share in greater detail the services offered and the fee options available with our compensation. This meeting is an opportunity to determine if we are compatible with each other. There is no charge for this initial consultation or any other meeting prior to becoming a client.

We generally meet with prospective clients on an average of three times before they sign on as a client. We believe that choosing a financial advisor is an important decision and that it should not be taken lightly.

ADVISORY PROCESS

When a decision is made to proceed, the in-depth financial advisory process begins. Our financial professionals will begin to recommend proposed strategies, not products, to your financial concerns and indicate our recommendations for your completed 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.

TELEPHONE COUNSELING

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 any time you receive something you don't understand or have questions. If a major financial event occurs in your life, such as a 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.

PERFORMANCE REVIEW

Generally, our financial professionals 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 stay on track to achieve their goals.