1. Fact-Finding Process: During this initial stage, as fiduciary advisors, we conduct an unbiased and thorough assessment of your current financial situation. We gather comprehensive information about your assets, liabilities, income, expenses, and investment objectives, ensuring a clear understanding of your financial landscape. Additionally, we delve into your retirement plans and goals, exploring questions such as: 

• What are your short-term and long-term financial goals?
• When do you envision retiring, and what lifestyle do you envision during retirement?

This detailed exploration allows us to tailor our recommendations and strategies precisely to your unique circumstances and aspirations, always prioritizing your best interests as our fiduciary responsibility. 

2. Follow-Up Meeting and Presentation: After the fact-finding process, we schedule a follow-up meeting where we present our findings and initial recommendations. This session serves to clarify any questions you may have about your financial situation and our proposed strategies. The follow-up meeting is an opportunity for you to review and provide feedback on the proposed wealth management plan. We aim to ensure that you have a clear understanding of our recommendations and how they align with your financial goals.
   
   
3. Questions/Implementation: Following the presentation, we address any additional questions or concerns you may have. Once you are comfortable with the proposed strategies, we proceed with the implementation phase, which may involve adjusting your investment portfolio, optimizing tax strategies, or recommending insurance coverage. This stage focuses on turning the agreed-upon strategies into actionable steps. We aim to streamline the implementation process while ensuring that your financial plan reflects your preferences and objectives.
   
   
4. Conclusion/Decision-Making: Together, we finalize the wealth management plan based on our discussions and your decisions. This includes setting specific milestones and objectives to track progress over time. By reaching a consensus on the wealth management plan, we establish a roadmap for achieving your financial goals. This step marks the culmination of the planning phase and sets the stage for ongoing monitoring and adjustments as needed.
   
   
5. Quarterly to Semi-Annual Meetings: We schedule regular meetings to review the performance of your investments, reassess your financial goals, and make any necessary adjustments to your wealth management plan. These meetings ensure that your plan remains aligned with changes in your life circumstances or market conditions. Regular meetings are essential for maintaining the relevance and effectiveness of your financial plan. They provide an opportunity to monitor progress, address new opportunities or challenges, and adapt strategies as your financial situation evolves.
   
   
6. Unlimited Access for Consultation: Throughout our fiduciary advisory relationship, you have access to us for any urgent questions, concerns, or updates related to your financial affairs. We prioritize responsiveness and strive to provide timely guidance whenever you need it. Offering ongoing support and accessibility underscores our commitment to your financial well-being. Whether you have immediate queries or seek proactive advice, we are here to provide guidance and assistance as your trusted financial advisors.