What services should you hire me to provide for you? Let's find out what you really need before you make any big decisions...

Start With A Discovery Meeting

All prospective clients are encouraged to schedule a convenient time for a no cost, no obligation in-person meeting or phone call (lasting as long as you'd like) to help us determine if there's a good fit. We want to explore whether the services I can provide and the expertise I can offer will be valuable to you. And, of course, since it's a long-term relationship we may be starting, it's important to know that the chemistry is there, too! If you're looking for financial planning services combined with investment management, our approach is very straightforward:

Financial Planning With Investment Management

Financial Planning Areas Covered Include

• Cash flow analysis and lifestyle needs, goals
• Balance sheet and net worth statement
• Spending plan (budget) analysis
• Investment review and recommendations
• Retirement plan analysis
• Insurance review and recommendations
• Ongoing support and guidance for financial concerns or questions as they arise
• Meeting and/or talking by phone or email as often as you'd find helpful and reassuring

Investment Management

• We believe in making sure you have ample cash reserves available (whether at your bank or under your mattress), because having enough cash on hand is key to maintaining a successful long-term investment plan
• We have an easy to explain, easy to understand approach to investing and leave untested, clever or cutting edge investing strategies or products to others
• We want to be sensitive to taxes and investment costs, so that you keep more of what you earn
• If you already have investments that are working well for you, we can incorporate them into your investment strategy (it doesn't make sense to fix what isn't broken)
• You'll have access to a wide range of investments, investment strategies and financial products, so we can match the right kinds of solutions to your financial needs
• You're not one-size-fits-all and your investments shouldn't be either, so your portfolio and investment strategies will be tailored to suit what works for you
• You'll keep learning more and more as we go, because I want you experience more joy and more confidence around your money

OR

Working Together On A Short-term Project Basis

If you have an area or two of concern and just want answers to your questions, a two-hour project-based consultation may be exactly what you need. For these two hours the agenda is totally yours. We can address the specific areas that are important to you, and we'll discuss ahead of time what you'll need to bring with you. This two-hour session is a working session, so we'll just get right down to business and you'll leave with workable solutions to your concerns.

Examples of Areas Covered

• An in-depth review of your investments and investment strategies
• Evaluation of your 401(k), 403(b), defined benefit or other qualified retirement plans
• Analysis of lump sum versus a lifetime annuity options
• Creation of a budget that supports your goals and needs
• Evaluate how you'll handle your long-term healthcare expenses
• Prepare a retirement cash flow analysis
• Review of life and LTC policies and fixed, indexed and variable annuity contracts
• Another financial topic of your choice

OR

Just Getting A Second Opinion

Maybe all you need at this point is reassurance that you're headed in the right direction, or perhaps you're questioning a recommendation you've been given. You just want another set of eyes to look something over. Depending on the breadth and scope of your objectives, this may be done on an hourly consulting basis.