Explore our process and what you can expect when working together.

Here’s how to start working with us for Financial Planning:

Step 01

The first thing we'll do is to focus on learning about your goals, objectives, priorities and values.

To create a financial plan, we really do get in the weeds of your financial picture. Take a look here to find out what type of information we will go over. 

At our first meeting, we’ll get acquainted, learn about each other and we’ll discuss how we will work together on a financial plan. The most important aspect of our first meeting is to make sure that we understand what you want out of your financial plan and what questions you want answered. We’ll discuss the scope of our work together and the fees involved. 

We will go over the following segments of a financial plan to see what areas you are excelling in and where you may have gaps. Here is what a comprehensive financial plan includes:

  • Current Financial Picture 

  • Income Planning & Cash Flow Analysis

  • Retirement Planning

  • Investment Analysis

  • Stock Option Strategies

  • Tax Planning

  • Risk Management

  • Education Planning

  • Post Divorce Planning

The most important thing we accomplish in this first meeting is understanding your goals and priorities of your financial plan.

Step 02

Upon agreeing to work together, we will make things official and set up our road map.

The first thing we will do is ask you to sign a financial planning agreement which outlines the fees and expectation, and receive payment through a payment portal called Advice Pay. Then, the real work begins!

  • You will need to fill out a data gathering document (Link to right capital data gathering guide) on your own, or we can schedule a call to go over it together. 

  • You will also upload all of your documents and statements needed to move forward with the plan analysis in our secure and encrypted online portal. 

  • Financial Plan analysis will then begin once all information is received. 

  • Followup meetings may be required to ask followup questions and confirm assumptions.

  • Next, we present our plan and discuss our observations, assumptions and recommendations. We’ll take note of any changes or new assumptions that may impact your plan and possibly re-run the plan based on new information.

  • Create a roadmap with the next steps and timeline.

  • Then we’ll work with you to implement the plan.

  • We’ll then schedule any follow up meeting(s) if needed to implement your plan or answer any questions we missed or need to add.

We will not begin the Financial Plan analysis, until we receive all the information needed. This is a process which does take time and work on both of our parts to pursue a meaningful financial plan for you.

Here’s how to start working with us for Investment Management:

Step 01

The first thing we’ll do is focus on learning about your goals, objectives, and priorities for the assets that you want us to manage, and how and where those assets are held and managed.

To grasp that picture, we’ll start by asking you to fill out our pre-meeting questionnaire so we can be prepared for our first meeting.

At our first meeting, we’ll review the material you have filled out, we’ll get acquainted,  learn about each other and we’ll discuss how to work together regarding your investments. We’ll determine: 

  • Your goals

  • Your time horizon for these funds

  • Your needs from these funds - current income, growth or future specific goal

  • Your risk tolerance

  • Type of accounts for your assets are held in - retirement and/or non-retirement to start. 

  • Our fee structure

Step 02

Upon agreeing to work together, we will make things official and set up our road map.

We will then present our investment strategies and specific investment to implement our strategy. Once we get your approval, we can begin our partnership!

  • Complete the necessary paperwork to open your LPL Account

  • Help complete transfer of investments accounts to LPL Financial

  • Set up online account access

  • Set up ongoing meetings and at a minimum an annual review

As our client, you get email and phone access to Pam & Ally. We want to be here for you in all of life’s moments.

Disclosure: Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

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