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Most of our clients have attended our financial and investment workshops. In this one-hour program we review the misconception people may have on how to truly design a strategy that is not only tax sensitive, but also addresses risk tolerances along with your time horizons and personal goals. After the educational program, many are invited to our free complimentary session, where we will sit down and get to know you and where your concerns are about your finances, specific family situation and quite frankly your dreams about what you want out of your money and your life. By the time we are finished with the first hour you will determine whether or not you feel there is an understanding of your specific situation. We will also know if you qualify for the type of work that will be involved. In addition, we will review the tax return, the estate planning documents ( wills, trusts and powers of attorney), current investment accounts as well as beneficiaries on IRA's, 401k's, life insurance and annuity contracts. We also use our Portfolio Review Tool to analyze your investments for risk relative to your risk tolerance. Suggested ways to rebalance and reduce overlap of stocks and bonds is also an outcome. Many people are surprised that so much is out of alignment with what they thought they had.
The follow up appointment will also be on us. FREE. At that time you will know what we can and cannot do as well as the cost of our work. You can choose to do some and not all of the recommended analysis. Either way you will know exactly what you will receive for your hard earned money. In the third appointment we will begin the implementation phase of the planning only after you fully understand your options. Education here is a must for you to have peace of mind that you are moving in the right direction. Depending on the complexity of your finances, it could take as many as 3-4 follow up appointments. We believe in doing one thing at a time.
Over the years you will have quarterly, semi or annual reviews either in our office or at your home. Many of our clients are not getting around as they did in the past and we have made in very clear that the in-home option is available. The review process will include ongoing evaluation of your income needs, taxes and investment performance. Lifestyles change and sometimes we will need to make some adjustments. This form of relationship is built over years and in the process we look for clients who have friends or relatives they will be happy to refer our way. We continuously work to give the best service possible.
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