We begin with a no-obligation introductory meeting to get to know each other and determine if we’re a good fit. If you decide to move forward, you’ll sign a client agreement and pay your first quarterly planning fee. From there, we’ll start linking your accounts and uploading key information to RightCapital so we can begin building your personalized financial plan. Once everything is in place, we’ll schedule your first official planning meeting.
Schedule NowOur first meeting is all about understanding you, your family, and your financial and life goals. We’ll review the information you’ve shared so far—including your income and expenses, account balances, investments, retirement accounts, estate plans, and insurance coverage (both property & casualty and life insurance). I’ll also recommend an appropriate emergency fund amount and advise on the best place to keep it.
Objectives for the First Meeting:
Gain a clear understanding of your life and financial goals.
Ensure all relevant information is entered into Right Capital, with accounts linked to your dashboard.
Confirm your monthly excess cash flow and determine how much you’re willing to commit to your financial goals each month.
Agree on an amount and location for your emergency fund.
Together, we’ll establish a clear monthly cash flow plan designed to support both your financial and life goals. We’ll also set up the necessary accounts and contribution schedules to bring that plan to life. This may include high-yield savings accounts, brokerage accounts, 529 plans, retirement accounts, and more.
Objectives for the Second Meeting:
Develop a purposeful plan for any excess cash on your balance sheet.
Establish a monthly cash flow plan using your excess cash to fund your financial and life goals.
Set up the necessary accounts to save and invest toward these goals (e.g., brokerage, Roth IRA, 529 plan, HYSA).
We begin by reviewing your current investments and comparing them to the personalized recommendations I’ve prepared. From there, we’ll start transferring your accounts to professional management, funding new accounts as needed, and answering any questions you may have along the way. We’ll also review your workplace retirement plan, evaluating both contributions and investment choices, and you’ll receive an updated investment recommendation within one week.
Objectives for the Third Meeting:
Agree on an investment strategy and allocation for all accounts.
Fully understand any tax implications of transferring accounts.
Transfer external accounts to Altruist for professional management.
Set up automatic transfers to the appropriate accounts.
Ensure your workplace retirement account statements and investment options are uploaded, and I will deliver an allocation recommendation.
Next, we turn our attention to life insurance and estate planning. We’ll review your current coverage and identify any updates or documents that may be needed to strengthen your estate plan. We’ll also assess your property & casualty (P&C) insurance and life insurance to ensure there are no gaps in protection, giving you greater peace of mind.
Objectives for the Fourth Meeting:
Make a plan to create or amend estate planning documents as needed.
Establish a clear action plan for obtaining adequate life insurance coverage, if necessary.
Ensure you have the right P&C insurance in place.
Address any other insurance needs, such as umbrella or disability insurance.
At this stage, we’ll assess your progress and make any necessary adjustments to your goals, investment strategy, and cash flow plan. We’ll also revisit any outstanding topics or concerns to ensure nothing is left unaddressed. This meeting helps lay a strong foundation for year two of your financial plan and beyond.
Objectives for the Fifth Meeting:
Adjust your cash flow plan as needed.
Review your investment and retirement accounts to ensure the allocation and strategy are still appropriate.
Confirm whether your goals have remained the same or if any adjustments are needed to reflect new priorities.
Moving forward, we’ll meet approximately every six months, typically timed around key life events or financial milestones. That said, I’m here for you year-round. You’re always welcome to reach out via email with questions or updates, and we can schedule additional meetings anytime your circumstances change or you simply need more personalized guidance. My goal is to be a consistent, trusted partner—whenever you need me.
All planning meetings will be scheduled for one hour. Before each meeting, you will receive a detailed agenda outlining the topics we'll cover. After each meeting, you’ll receive a comprehensive follow-up that summarizes our discussion and highlights any action items for both you and me. You’ll also receive quarterly check-ins to ensure ongoing alignment.
You'll always know what to expect, and what needs to get done:
.webp)
Every client will have a comprehensive financial plan built using RightCapital — a modern, interactive planning platform that helps us map out your goals, track your progress, and make smart decisions together in real time.
Get a Plan Today.webp)
.webp){kind=small}