Step 1 Establish Trusting Relationship We want to know where you are, how you got there and where you’d like to go.

Step 2 Collect Personal Finance Information At this point, we will seek to obtain as much quantitative and qualitative information as necessary. More importantly, we’ll specifically identify areas of education planning, retirement planning, estate planning or other requested areas that may benefit you.

Step 3 Established Goal & Vision We use state-of-the-art technology and a variety of analytical tools to evaluate your financial picture. We perform an asset allocation analysis of your investment portfolios with a review of the various holdings and full review of your various policies.

Step 4 Analysis of Personal Financial Situation Based on our analysis, we develop recommendations in the context of the proposed strategy. In addition, we provide alternative scenarios along with solutions to assist you in reaching your financial goals.

Step 5* Implementation Plan We work with you to determine how to best implement each aspect of your financial plan. This may involve collaboration with other financial professionals you currently engage with (i.e. CPA, attorney etc.) or recommending appropriate financial professionals to assist you if needed. *Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial planning fee. 

Step 6 Monitor and Review Plan We will continue to monitor the appropriateness of your financial plan and your progress over time and will make appropriate modifications as changes occur in your personal and/or business life or in the