When it comes to building and having a long term relationship, I want to make sure you are comfortable every step of the way. After all, your financial future is all about you…
I divide my initial process into five simple steps, followed by Updates & Reviews:
Introduction and Discovery Meetings
First, let’s get to know each other. It is not only important to understand what it is you wish to achieve, it is also important to know what we can expect from each other. I will ask questions and listen to help me better understand what financial opportunities and issues concern you most and then I will share my process with you.
Communication and transparency is key to trust and having a long and successful relationship.
I will customize a plan that is right for you, with the information you provide me. This plan will include analysis of your income sources, living expenses, major project expenses, assets such as investments and real estate, as well as your liabilities such as a mortgage, credit cards and other debts.
The Plan
After analyzing your specific situation, I will create a financial plan that can offer a pathway to help you reach your financial goals.
Life insurance may be a vital part of your plan. I will give you unbiased input on what kind of coverage is appropriate and why, should you need it. If need be, I can connect you with a licensed insurance representative who is right for you, and who can facilitate the process.
Initial Plan Presentation
When presenting your plan, I will go over every step with you and make any changes if necessary to be sure it is still current. I will show you where opportunities are, and where changes can me made for improvement. I will also answer any questions you have.
The Agreement
Once everything looks right and you are ready to proceed, I will present an agreement that establishes the rights and responsibilities of what you can expect from me; this will also include documentation to initiate the transfer of assets and activate the agreement. You are always free to cancel this agreement at any time.
Welcome aboard
Once the assets have transferred, you will be able to see your investment accounts online, at Fidelity.com. I will then begin the Investment Management Process. I’ll put your money to work, as per our discussion, in low-cost investment vehicles or stocks, always being mindful of tax-efficiency.
I am always here to answer any and all questions related to your investment preferences, your income, expenses, life goals, and more. As a fee-only advisor, I don’t charge commissions; all of my investment advice is exclusively designed to help maximize your portfolio.
Updates & Reviews
Staying up to date as your life changes is vital. Helping you make current, informed decisions is key. What to do during market volatility, exercising stock options at the right time, selling stocks in the right year, using the right tools can be challenging. Legislation changes as years go by. Keeping you on track is the key.
In your life, you may have concerns during your career growth, your family growth, while nearing retirement or nearing end of life. I will work with your tax advisor and your estate planning attorney every step of the way to assist you in taking the right decisions.
We can meet for an update and a review as often as you like, at least once a year. I make house visits for your convenience and privacy.
Call 864-884-8002 or email [email protected]
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