• Budgeting and cash flow
  • Affordability on new level of income, has work situation changed
  • Determining how assets are owned, and if there are additional assets (i.e. insurance)
  • Determining savings amounts and investment allocation
  • Asset consolidation, required withdrawals
  • Determining affordability of new goals
  • Retirement projections and assessment of income sources
  • Life, disability, and/or long-term care insurance
  • Wills and legal documents
  • Tax considerations



  • Initial consultation (no cost, no obligation)
  • Planning-type meeting, discuss short and long-term goals
    1. Budgeting, cash flow on new income
    2. Affordability of goals in new life
    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/ consolidated
  • Ensure appropriate insurance and legal documents are in
  • Cycle for periodic investment and financial plan review begins