1

Initial Consultation
Everyone needs and deserves a quality financial plan. Preparation brings our most enduring success. At the Discovery Meeting, we will ask you a series of questions to really understand what is most important to you, what you would like to accomplish, and what keeps you awake at night. We will determine where you are now, where you want to be, and any gaps or obstacles that stand in the way. It’s our chance to get a very clear picture of you so that we can guide you in how best to achieve your most important goals.

2

2 Weeks After Discovery Meeting
At this meeting, you will be presented with a custom-designed Investment Plan. A diagnostic of your current situation, recommendations for moving forward and a detailed investment strategy is presented at this meeting. Using our high tech interface, MoneyguidePro, we establish an investment financial plan with recommendations for your current situation and using an optimum investment approach to reach your goals.

3

1 Week After Investment Plan Meeting
After identifying your goals and presenting your custom comprehensive investment plan, we agree to move forward and begin implementing your personalized plan. We will execute the documents necessary to put your plan into motion and move forward in helping you achieve all that is important to you.

4

45 Days After Mutual Commitment
Since setting goals and implementing a plan are the foundations on which all subsequent work depends, a considerable amount of time and effort must be spent to get them right. Our 45-day review meeting builds clear communication, provides education and helps establish trust. We honor the opportunity to track your portfolio progress and fine-tune your plans along the way.

5

90 Days After Review Meeting
Review of progress and implementation on advanced plan twice a year. This meeting is an opportunity to update and review the progress of your custom-designed plan, make sure you are on track to reach your goals, and address your most important financial concerns.

6

Ongoing Work & Partnership
We have carefully selected a team of professionals, each with a high level of knowledge and skill in key financial areas, to evaluate all aspects of your financial situation.

This team of specialists applies its expertise to evaluate all aspects of your financial situation and devise appropriate strategy.

Wealth enhancement - Advanced planning to help clients with ensuring “cash flow” and mitigating taxes. The goal is to minimize tax impact on clients’ investment returns.

Wealth Protection- Advanced planning that involves employing concepts and strategies to ensure your wealth is not unjustly taken from potential litigants, ex-spouses, and children’s spouses as well as to protect you against catastrophic loss.

Charitable Giving - Advanced planning for helping fulfill clients philanthropic goals and maximizing the effectiveness of a charitable intent.

Wealth Transfer - Advanced planning to help our client effectively protect their assets and facilitate the most tax-efficient ways to pass assets to succeeding generations in a way that meets the client’s wishes.