What You Can Expect As a New Client

Step 1 - Initial Discovery Call

Before committing to anything, we will have a 15-30 minute phone call to determine how we may be able to help with your particular situation.

Step 2 – First Office Meeting

The goal of this meeting is to get clear on your goals, concerns and unique financial situation. We will start with finding out “What Is Important To You?” From there we will gather information using our W.E.A.L.T.H Process. We will have you fill out a risk profile to help us balance the risk required to meet your goals, your risk capacity and your individual risk tolerance.

Step 3 - Our Analysis

We will use our experience and planning first approach to answer the following questions:

• Can you retire when you desire and stay comfortable retired?

• Can your Investment portfolio be improved?

• Do you have the right mix of investments for your risk tolerance and stage of life?

• What are you paying in fees with your current advisor?

Step 4- Recommendations

• We will discuss our recommendations and how we will work together if you choose to hire us as your wealth advisor.

• Answer any questions or concerns.

• Schedule a meeting to fill out paperwork or start the process if you are ready.

Step 5 - Meeting/Paperwork

During this meeting we will answer any questions you have and if you are ready, start the paperwork to become a client and talk about what to expect your first year as a client.

30- Day Check In

We will check in with you once your plan and investment strategy is implemented to answer any questions you may have. We will also make sure you are able to view everything on the client portal and connect any outside assets to our Black Diamond service.

Your First Year and Beyond as a Client

January

An Outlook Call for the year ahead and a summary of the previous year’s performance. We will discuss any changes that should be made to start the year off right. We will also update your financial plan with any changes to your financial situation.

April

1st Quarter Performance review over Zoom. We will also get a copy of your tax return when you have it completed for the previous year and do a Holistiplan Tax Analysis to uncover any tax planning opportunities.

July

Mid-Year Review and summary of 2nd Quarter Performance. We will discuss opportunities and any changes that need to be made. We will also update your financial plan with any new changes to your financial situation.

October

3rd Quarter Performance Review. We will discuss any tax loss harvesting opportunities in taxable accounts. We will also go over your financial plan in detail.

*Sometimes there are things that need to be addressed before scheduled meetings. We will always keep you informed of things that we need to change, whether it is your withdrawal rate or a particular investment that needs to be sold.