The first step is answering the question, "Are we a good fit?" We start with a brief phone conversation to understand your goals, concerns, and communication style. This is where we both decide if working together will be mutually beneficial. You’re evaluating us, and we’re making sure we can truly add value. If we both say yes, we move forward together.

This first working session is where we begin to bring your financial picture into focus. Together, we assess your goals, risk preferences, cash flow, and investment landscape. We also identify any additional elements that need to be included in the conversation, such as family involvement, outside advisors, or legacy planning. You can expect a personalized outline of your needs and priorities, along with a thoughtful assessment of your investments, risk exposure, and cash flow. Most importantly, we provide a clear answer to the question clients ask most often: “How am I doing?”

At this stage, we move from insight to action, presenting our recommendations and beginning to set them into motion. If you’re ready, this is where the partnership begins. We handle the logistics of organizing accounts, implementing investment strategies, and coordinating with other professionals in your financial world. This is also the point where we establish communication preferences and ensure that you feel supported as we begin to execute your plan. Our focus is to build momentum through clear priorities, shared understanding, and consistent follow-through.

At least once a year, we review your full financial picture. These meetings are structured but flexible, allowing us to discuss any life updates, shifting goals, or changes in the market that may affect your plan. We take time to catch up on what’s changed in your life or work, update your financial strategy as needed, and revisit both short-term tasks and long-term goals. These reviews can be held in person, by phone, or via video—whatever works best for you. There is no separate fee for these meetings; they are simply part of how we serve you over time.