• Budgeting and cash flow
  • Determining retirement plan contributions
  • Investment allocation inside of retirement plans
  • Retirement contribution options if no plan through employer
  • Rollovers and asset consolidation
  • Determining affordability of college educations
  • College savings options and accumulation projections
  • Long-term retirement projections
  • Life and disability insurance
  • Wills and legal documents
  • Tax considerations


  • Initial consultation (no cost, no obligation)
  • Planning-type meeting, discuss long-term goals
    1. Budgeting, cash flow
    2. Affordability of goals
    3. Written recommendations and client “action steps” provided
  • Investor Education
    1. Assessment and discussion of tolerance for risk in the financial markets
    2. Explanation of basic investment concepts and management process
    3. Investment recommendations
  • Accounts transferred/rolled over
  • Ensure appropriate insurance and legal documents are in place
  • Cycle for periodic investment and financial plan review begins