Our first session gives us the opportunity to get to know each other. We do an assessment of where you are and where you want to be and ask you to complete a Client Profile so we can better understand your current financial situation, investment experience, and tolerance for risk. We listen to your concerns, ask lots of questions, and begin to formulate a strategy to address your goals and needs.

After an initial assessment, the next step is to do a deeper analysis of your finances, including investments, to determine what changes might be advisable. In some cases, the best approach might be to transfer all existing securities; in other cases, perhaps it makes sense to sell the current portfolio and transfer cash. We will advise you on what’s required to complete the transition. Our recommended custodian can accept most securities from other firms.

After investment accounts for you have been set up and assets are in place, we begin managing your accounts in accordance with our FSA Safety Net® system. Besides receiving monthly account statements from the custodian, you can expect to receive a variety of communications from us throughout the year including:

• Quarterly portfolio appraisals
• Quarterly Financial Planning Newsletter
• Periodic market updates
• Periodic reviews of your accounts and planning goals
• Invitations to webinar presentations on topics of interest

Our goal in the final step of the investment-planning process is to hear you say confidently, “I’m glad I don’t have to worry about it anymore.” We will continue working closely with you to manage your accounts in an effort to make money during good cycles and preserve gains when price trends reverse. Our advisors will meet with you periodically to review your portfolio in light of your investment objectives and any changes in your financial situation.