Broker Check

Our Process

1st Appointment

David sits with you and takes notes on any concerns, or issues, you have on your mind. Then he will go through a short two-page questionnaire asking you about basic details of your current situation. Names, address, contact information. Then he will ask you about your family make-up, estate document questions, asset inventory (round numbers, basic info). Home information, current debt, life insurance, how assets are titled, whose current beneficiaries. Then move on to current and future income such as pension and social security benefits. He also tries to get basic overhead information, and future upcoming expense information (remodeling, travel, auto purchase, etc..). He ends the meeting finding out what your concerns are regarding taxes, future long-term care issues, stock market losses, avoiding probate court, etc… Typically the first meeting lasts about an hour.

This appointment gives David kind of a “snapshot” of where you are at now.

2nd Appointment

David sits with you and the objective is to start to determine where you want to go from this point in your life. It’s more of a “touchy-feely” appointment, trying to get a feel of how you want your retirement to play out. Unlike the first appointment which is more factual about your current situation. We discuss things like retirement target dates. Desired retirement income planning for travel, life expectancy, gifting, and if leaving an inheritance is important. Also, how you want to leave assets to your family, loved ones, and any charitable bequests. In this meeting, we start to get an idea of where you are financially, and if your goals are attainable and realistic. After this meeting, David will have enough information, have an idea of where you are financially, and if your goals are attainable and realistic. After this meeting, David will have enough information to start laying out an action plan!  

3rd Appointment

David delivers you your Action Plan. In this plan, David lays out the areas that need to be addressed, learned, implemented, etc… And things that need to be stopped, changed or tweaked. You then choose where to start, if you have an area that’s most on your mind, or David can suggest the order that he thinks you should start on first. This is where you and David role up your sleeves and get to work on your Financial House. There will be a few appointments following, about an hour long each, where you and David address your Action Plan items!

When the process is all over, you will feel great that your financial house is in order! You will know why your money is where it is, what investment account is what, how much to keep in savings, and ultimately you will feel comfortable that you will have a great retirement.  

Phase I: Discovery

We begin this stage during our initial meeting where we get to know one another. We focus on what your specific needs are and what you want your investment capital to do for you.

Phase II: Strategy

The primary objective of this stage is to develop an effective, long-term investment strategy that is custom tailored to the unique needs of each client. We then develop a comprehensive plan that outlines the strategy we recommend for long-term success.

Phase III: Implementation

The primary objective of this phase is to successfully implement your investment strategy. By means of constant communication and a highly skilled staff, we strive to make this process quick and easy for you.

Phase IV: Monitoring and Adjusting

We monitor our client’s accounts on a regular basis to ensure they are still performing in a way that meets their intention. When we discover that a client’s circumstances have changed, or that shifting global markets require a different investing approach, we are quick to make adjustments.