In order to provide the highest level of service and a comprehensive projection of your financial future, we need to completely understand your current status.

Gather financial information

  • Cash savings (and approximate year-over-year changes, if any)
  • Estimation of current spending habits
  • Bank, brokerage, 401k/retirement plan, insurance policy statements
  • Real estate holdings
  • Social security benefit estimates
  • Income: investment, pension, trust, rent, social security, etc.
  • Inheritance considerations
  • Debt payments, current balances and interest rates
  • Trust benefits

For maximum time efficiency, this information can be provided before the first client meeting

Assess risk tolerance

  • Risk tolerance questionnaire
  • Discussion of investment experiences through varying market conditions

Establish goals and time horizons

  • What do you want to accomplish with your money?
  • Time until realization of each goal or financial commitment
  • Prioritization of retirement goals
  • Desired retirement age
  • Desired future income
  • Legacy—what to you want to leave behind, and to whom (people, charity, trusts)

Determine whether goals are within range of feasibility

  • If so, move on to the next step
  • If not, goals and risk need to be reconsidered