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Prior to developing an investment plan, we believe that it’s critical to have a detailed understanding of each client’s financial situation.
For every new client, we gather information in the following areas:
• Income and expenses
• Cash reserve level
• Current debts
• Net Worth
• Insurance: life, health, long-term care, disability
• Retirement investments
• Taxable investments and investment property
• Pensions and Social Security
• Level of estate planning (no will, will, trust, etc.)
This is typically done in the first meeting. For some clients, we may recommend that a detailed financial plan be prepared. Our fee for this service depends on the complexity of the plan.
Most of our clients are primarily concerned with making sure their money will last throughout their lifetime. For our retired and pre-retired clients we run a cash-flow forecast to see how they’re likely to fare in the future. We also cover all of the areas noted above under comprehensive financial planning.
SECOND OPINION ON YOUR CURRENT INVESTMENT PLAN
What if you’re not sure whether you want to have us manage your assets? That’s fine. We can always give you a second opinion about your current investment plan or answer your financial planning questions. For this service, we charge an hourly rate.