How We Work Together
No pressure, no sales pitch. Just a straightforward process to figure out if we can help—and if we're a good fit for each other.
Our processes are designed to add the most value we can to everyone we meet. The first two meetings are free—you're not committed to anything, and we're not going to pressure you. The goal is simple: figure out if working together makes sense for both of us.
Just Getting to Know Each Other
This is a quick phone call where:
-
You tell us what's going on and what brought you to reach out
-
We explain who we are and how we work
-
We both get a feel for whether there's a fit
-
You ask whatever questions or concerns you have
-
We decide if it makes sense to go deeper
What This Isn't:
What It Is:
-
Some high-pressure sales call
-
A full financial analysis
-
You committing to work with us
-
A conversation to see if we click
-
A chance for you to get a sense of our approach
-
An opportunity for us to see if we can actually help your specific situation
If it feels right to both of us, we'll set up a discovery meeting.
Step 1: The Fit Call (15 Minutes, complimentary)
Getting Into the Details
This is where we go through where you currently are. Before we meet, we'll ask you to send us your financial documents so we can review everything ahead of time and come prepared.
Stuff That's Helpful to Send:
-
Recent investment statements
-
Retirement account statements (401k, IRA, whatever you've got)
-
Last two years' tax returns
-
Info about your employee benefits
-
Pension or Social Security statements if you've got them
-
Estate planning docs (if you've done any)
-
Anything else that's relevant to your finances
Step 2: The Discovery Meeting (60-90 Minutes, complimentary)
Your Goals:
-
When do you want to retire?
-
What does retirement actually look like for you?
-
What are you working toward in the next few years?
-
What keeps you up at night worrying about money?
Where You Are Now:
-
Your current assets, income, and spending
-
Your job benefits and how you're paid
-
What's working and what's not
-
Any big changes coming up
Your Questions:
-
Tax concerns
-
Investment strategy
-
Retirement income
-
Social Security
-
Whatever else is on your mind
What We're Seeing:
-
Tax-saving opportunities we spot right away
-
Ways to improve your portfolio
-
Gaps in your planning
-
How everything could work better together
Transparent Fees:
-
Clear explanation of how we get paid
-
Written agreement spelling everything out
-
No hidden fees or surprises
After this meeting, we'll let you know if we think we can help and what that would look like. If you want to move forward, we'll schedule a planning meeting.
What We'll Talk About During The Discovery Call
Showing You the Roadmap
At this meeting, we present our recommendations based on everything we learned.
You'll Get:
A Real Financial Plan (When It Makes Sense)
-
Retirement projections—when you can retire and what income to expect
-
Tax analysis and ways to save money
-
Investment recommendations that actually make sense for you
-
Action items ranked by importance and timeline
-
Social Security analysis (if that's relevant to you)
-
Estate planning considerations
Clear Recommendations
-
Specific things you should do
-
Why each one matters
-
What impact you can expect
-
When to do what
If You Want to Work Together:
-
We start implementing, which usually means:
-
Setting Up Accounts (if needed): Opening new accounts or transferring existing ones
-
Making It Happen: Implementing our recommendations
-
Coordinating: Working with your CPA, attorney, or whoever else needs to be involved
-
Staying in Touch: You'll hear from us regularly, not just at review meetings
Step 3: Planning & Getting Started
Ongoing Relationship, Not a One-Time Thing
Unlike a lot of advisors who you might hear from once a year (if that), we believe in staying connected.
Regular Check-Ins:
-
Most clients meet with us at least once a year
-
Some meet more frequently if things are changing
What We Actually Talk About:
-
What's changed since we last met?
-
How do those changes affect your plan?
-
Are you on track?
-
What needs adjusting?
-
What's coming up we should plan for?
-
What opportunities do we see to save you money?
Not Just:
-
Here's how your investments did
-
See you next year
Between Meetings:
-
Call or email anytime something comes up
-
We'll reach out if we see opportunities or concerns
-
You get regular reports on how things are going
-
We coordinate with your CPA during tax season
After You Become a Client
Being Straight About Fees
We're transparent about money. How we get paid depends on your situation:
If We're Managing Your Investments:
We charge a percentage of the assets we manage. That fee covers:
-
Comprehensive financial planning
-
Investment management
-
Regular reviews and plan updates
-
Access to us throughout the year
-
Tax planning coordination
If You Just Want Planning: If you don't have assets we'd manage (or you want to keep them where they are), we charge a flat fee for planning. This is pretty common with younger high-income professionals.
We'll talk specifics during your planning meeting based on what you actually need.
What It Costs
