Choosing a Financial Planner --
Why Choose Us
Your financial planner must be someone with whom you are willing to start a
long journey that will certainly affect your family, your living ancestors, and
your future heritage. Do not make this decision lightly.
The decisions you make in union with your planner will address protection of the
existing 'way of life' for your immediate loved-ones, care of aging parents and
relatives, gifts of education and financial freedom for your offspring and
future generations, peace of mind for yourself when you determine to change
careers or to slow down your existing pace of work, and your sense of returning
some of life's bounty to humankind through charity and good works. These
issues transcend dollars, and the relationship between you and your planner must
transcend the concept of 'investing my money'.
When we work with you on any financial planning issues, we
will do the following:
First, we will meet with you to discuss your expectations and
mutually define the scope of this engagement. This includes identifying
the services to be provided, disclosing our fee arrangements, determine the
responsibilities of both we the planners and you the client, establish the
duration of the engagement, and provide any information needed to further limit
or define the scope of this engagement. There is NO CHARGE for this meeting.
Second, we will gather your financial information and
determine your goals. If this is a limited, very specific engagement,
these goals may be very precise and the list of needed financial information
very short. If this is a comprehensive planning engagement, the goals will
be far less specific and will span many years and possibly many generations. The
informational needs for this will exceed those of a limited engagement.
This process may be short, or it may span weeks or months.
Third, we will analyze and evaluate your financial status
based upon this information. The objective is to determine the strengths and
weaknesses of your total financial picture in relation to the achievement of
Fourth, we will develop and present our recommendations.
You and us will jointly review the recommendations and make adjustments as
needed. It is important that you understand what we propose, and are
comfortable with the recommendations.
Fifth, we will implement the agreed upon recommendations.
Sixth, we will monitor the recommendations to determine the
effect of tax law changes, performance, changes in the general economic
environment, and changes in your personal situation and goals.
Note that steps two through six may be limited by any agreements
made in step one, prior to the actual agreement where we decide to work together.
Please refer to our 'Philosophy'
page for this information.