Step 1: Initial Meeting. The first step is to complete a short Financial Planning Questionnaire (PDF file or Word document). We'll then hold a no-cost "get acquainted" meeting, so we can discuss your needs and give you a clear idea of what we do. In this relaxed environment, we both can determine whether our services are the best solution for your financial needs. See a video

Step 2: Retirement Cash Flow Plan.  We start by listening to you. Your goals and values drive your financial plan. We evaluate your retirement prospects in light of historical investment returns and spending expectations, and we seek to instill understanding and confidence that your financial resources should last throughout your retirement years.

Step 3: Investment Education. Face it: Most financial advisors really don't want you to understand investing. They figure that, as long as you don't understand investing, you'll need them. Our approach is different. We think that, the more you understand, the more you'll appreciate what we do for you and the easier it will be for you to adopt a long-term outlook during rough markets. See a video

Step 4: Comprehensive Financial Plan.  After we get to know each other, we roll up our sleeves and really get to work for you. Following are just a few of the planning needs we address within your overall strategy:

• Portfolio management
• Retirement cash flow projection
• Education funding
• Employment incentives and employee benefits planning
• Legal asset protection
• Business succession planning
• Estate planning

In implementing your comprehensive plan we provide professional references where needed, monitor progress, deliver ongoing reports, and meet with you regularly with our objective advice and education.

And, remember, we never sell any financial products; we accept compensation only from you, our client. Our objectivity and impartiality means that we are in your and your family's corner - with no financial incentive to do anything except to serve your best interests over the long-term, as you build your family legacy. See a video