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Our Prospective Client Process

We don't just talk about goals, almost everything we do for clients is built around goal achievement. At many firms, a family's wealth is lumped into a single portfolio with a single risk level.  But, does this seem logical? Why identify multiple goals and then treat them identically by putting all assets in a single portfolio? All goals are not equal, nor do they come to fruition at the same time. Instead of a one-risk-for-all-goals approach, we structure your assets around your life.  And that's what distinguishes our approach from other firms.  Your investment strategy is designed around your goals.

We believe that the most important way we can help you stay disciplined and on track is our Discovery process.

Introductory Meeting

In this the first part of our Process, we want to learn more about you the person or persons.  This will tie your personal life to your financial life.  The areas covered at this stage may include your future visions and values, family dynamics, work, next phase of your life.  We aim to provide you with clarity, insight and a true partnership.  From this meeting you will be provided with questionnaires and a checklist of the documents needed to analyse your current financial wellness. 

Document Gathering Meeting

In this meeting we will gather documents and information that will be used to formulate your specific plan.  This will allow your advisor to work on getting you from where you are to where you want to be in the future.

Financial Wellness Assessment Meeting

With this part of the Process, we focus on what is most important to you, both financially and personally.  We will look at all the major aspects of your financial life, including your specific values and goals, as well as your time horizon, income and liquidity needs and ability and willingness to take risk.  Together, we will define your personal definition of financial success and work with you to translate this into prioritized goals. 

In order for us to thoroughly understand your situation, we will take inventory of your current financial position, including strengths as well as gaps or weaknesses.  We will also analyze the effectiveness, composition and expenses of your existing portfolio.  We will analyze specific items for action to make sure that your goals and financial situation are aligned.  This stage will be based on the information from the documents you will provide us with.

Best Interest Recommendation & Compensation Meeting

Based on our analysis, we will develop a long-term plan.  Through this process, we will address and items that need clarification, and make alterations based on any additional information.  We think that an open, honest dialogue about your financial needs, beliefs, expectations and concerns is critical to any successful advisory relationship.  We will discuss the costs involved in implementing your plan.

Documentation Meeting

The next step is the implementation of YOUR plan. We will make a "Mutual Commitment" to working together and putting your plan in place by completing the necessary documentation.


Your plan is never static.  That's why we'll make our Process part of our ongoing meetings, so that YOUR plan always reflects your life.  We will monitor your plan closely and provide you with clear and concise reporting.  In addition, as financial markets rise and fall, your portfolio's exposure to stocks, bonds, cash and other investments will tend to fluctuate as well.  Through periodic re-balancing we will make sure your portfolio maintains its target allocations.  This helps control the level of risk in your portfolio and minimizes emotional decision making. 

All investing involves risk, including the possible loss of principal.  There is no assurance that any investment strategy will be successful.

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