Process

Five Phases Designed To Help You Find Financial Security:

Phase One: No Fee Introduction Meeting (typically 1~2hrs)

It takes time to develop mutual trust. This begins with learning about each other, finding out what concerns and expectations you have and what your personal financial history looks like. It's your opportunity to vet our services to determine the scope of our relationship and to do so in a non-threatening environment. We'll help you identify your short, mid and long term goals and explain, in detail, our planning process, philosophy, timelines, our compensation, and the advantages of working with an independent wealth manager. This includes answering your questions and describing which services may best pertain or be appropriate to your situation and your family. Finally, we'll discuss both your and our expectations for our potential collaboration. If we choose to collectively move forward, we schedule our second meeting and request that you gather and bring the appropriate support documentation to allow us to analyze your situation in greater detail prior to that meeting.

Phase Two: Defining Responsibilities (Typically 1.5~2hrs)

At this meeting, we will define our responsibilities as wealth manager and your responsibilities as client during the wealth planning process. We will explore your financial goals, priorities, resources and personal circumstances in greater detail. Further, we will discuss your values, perceptions, and preferences as well as the global markets, the social, political atmosphere and wealth management as it relates to your financial future. Finally we will document what work that we will be doing on your behalf and determine the fees that you will be paying for our services and scheduling our next meeting to discuss your personal wealth management plan.

Phase Three: We Assess Your Current Financial Situation

This step requires a thorough analysis of the documentation that we've requested of you to help us develop your personalized wealth management plan. It is at this time that we thoroughly examine your cash flows, tax projections, net worth, and review all other relevant documents such as bank and investment statements, retirement and pension plans, stock options, mortgage statements, real estate, debt, and insurance. These will be crucial to determining how to address issues such as risk/reward as it applies to your investments and how they apply to your tax planning, retirement income projections, education planning, estate planning, philanthropic goals, risk protection (insurance needs), etc…

Phase Four: Delivering your Wealth Management Plan and Implementation (Typically 2hrs)

This meeting is designed to review your wealth management plan with you. We will cover all of the aforementioned items in Steps One through Three, present our findings, propose solutions, explain options, answer your questions, make any necessary adjustments and determine an appropriate review cycle. It is also at this time that we will guide you through the implementation of investment strategies, insurance coverage and estate planning recommended in your plan. These implementations often require the services and efforts of other professionals such as CPAs and attorneys. If you don't already have these relationships, we'll be happy to provide suitable introductions.

Phase Five: Monitor, Review and Evaluate (Typically 45mins~1.5hrs)

We pride ourselves in being proactive and are committed to regularly reviewing your situation and wealth management plan and making the necessary adjustments to keep you on track and moving in the right direction. It is at these meetings that we cover your changing personal circumstances, the changes in the political, social and economic environment, how these issues relate to and impact your wealth management plan, and what changes we should make to attempt to minimize risk and potentially capitalize on opportunity. For our financial planning only clients, we require a minimum of an annual face-to-face meeting supplemented with quarterly meetings where necessary. For our financial planning clients that also hire us for investment management services, we require a minimum of quarterly phone reviews (preferably face-to-face), and a minimum of an annual face-to-face meeting.