What to expect

We start off by having an introductory meeting so we can get to know you, understand your goals, your values, your family, your work and even your hobbies. We believe that a thorough understanding of life and goals is essential to a successful wealth management relationship. 

The introductory meeting also gives you a chance to ask any questions you have about our firm, process, compensation, and more. Our goal is to earn your trust with complete transparency! 

If you decide to engage our firm, we will ask you to complete a confidential client questionnaire and provide documents we will need to begin a detailed financial analysis.

After we receive your questionnaire, we need to understand your risk appetite for your investments. We assess your risk tolerance as part of your overall client profile and use the risk information to construct your tailored investment portfolio and start your retirement planning. 

We will review this financial plan with you in detail and as your investment planner,  take you through every recommendation and make sure we are in alignment before moving forward.

Your financial plan will act as a roadmap to and through retirement for you and your family. It describes in detail how your future goals will be accomplished, and it will indicate your probability of success for the overall plan.  This is extremely valuable for you because it allows you to tweak your plan in the future and adjust as we go.

Once we are aligned on the recommendations, it’s time to implement your custom plan. This involves opening accounts and making the relevant trades to construct the portfolio. 

This process will likely encompass much more than just investments.  Estate Planning and Tax Planning issues are usually addressed.  Making updates to wills or trust documents, changing the source of monthly distributions for tax efficiency etc. may also be necessary. 

This is the most critical part of our process; if the recommendations are not implemented, the benefit to you can never be realized!  We will help you every step of the way to ensure completion.

Each quarter, we will review your financial progress against your plan and ensure investments are rightfully balanced. For the first year, we recommend having quarterly meetings to ensure things are running smoothly and to complete any outstanding items.  

After the first year, we recommend a checkpoint every 6 months to review and discuss progress but we are happy to make ourselves available at any time.  

We will continue to monitor your investments against your plan and make tweaks as needed based on your goals. Before we make any changes, we will ensure you are in agreement. 

Our ambition is to be your trusted partner and guide on your financial journey.

Over time, your needs may change and the markets will rise and fall so it is important that we monitor your progress regularly so that we can make adjustments to stay on track.  

We want our relationship to be a lifetime one and we look forward to working with you over many years.