Investment Process

Wealth Management Consultative Process

To help our clients achieve all that is important to them, we often use a consultative process to uncover needs on a continuous basis and then coordinate a team of experts to address them holistically. The chart below depicts the process we may use:

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1. Consultation Meeting/Call

When you approach us, the first meeting we may have is called the consultation meeting (or second opinion review meeting). During this meeting, I (the advisor) will ask many questions to determine where you are, what you want to accomplish, what are the gaps and if I am the right advisor to help you. If not, I am happy to point you in the right direction. If we determine that I can add substantial value to your financial life, we may schedule a second meeting – the proposal meeting (or the investment plan meeting).

2. Proposal Meeting

During the proposal meeting, we may present an investment plan personalized to your specific situation. If you like the plan, we may schedule a third meeting – the mutual commitment meeting. I insist that you take the plan home, read it carefully, and also reflect on our relationship before making a decision.

3. Mutual Committment Meeting

During the mutual commitment meeting, we may answer whatever remaining questions you have. If all questions are answered to your satisfaction, we would mutually commit to working together in a long-term client-advisor relationship. At this meeting, you either become a client or we end our engagement amicably.

4a. Fulfillment Meeting

One month after that, we may hold a fulfillment meeting with you, now a new client. In the meeting, we may explain to you what we have done (or recommended) with your money initially and help you accurately fill out and complete any necessary brokerage firm paperwork.

4b. Wealth Management Meeting

Depending solely on our assessment of the complexity of your needs, we may do a wealth management meeting where we discuss with other advisors how to best meet your needs (without revealing your identity). We may convey the findings to our client. We may organize those suggestions into the client’s wealth management plan for our first regular progress meeting with the client.

5. Regular Progress Meetings

We may hold regular progress meetings periodically to update one another and to ensure the overall financial trajectory is on track to achieve all your goals.