Annual Review Process

We approach each client review with the same care and attention as your initial consultation.

Most clients tell us that each time they attend a review, they feel like they have learned something and more importantly, now there is someone else who is fully aware of their overall financial situation. Prior to your meeting, we will send you an updated Net Worth statement to serve as a ‘pre-check’ of your collective assets and liabilities. Often clients modify this document with ‘updates’ and ‘edits’ to discuss during the review. After all, our goal is to always place your interest first. Thus, it is important that we have a clear understanding of your overall net worth as it serves as a leading indicator in helping us provide advice that best serves you and your goals.

  • Update and present where you stand financially - This provides you with a visual tool so that you know where everything is, and what everything is worth.

  • Present you with a complete and updated visual picture of where you stand financially.

  • Share the progress you have made financially and offer advice where needed.

  • Make recommendations, if any are needed, for changes to your investment portfolio. We will also revisit your risk tolerance and overall asset allocation.

  • Listening and learning about changes that have occurred in your life since our last visit.

  • Review your last year’s tax return - We will see if we can identify a gem or two that could help save you a few dollars.

    Note: We do not offer tax preparation services, so we suggest that you discuss your specific tax issues with a qualified advisor.

  • Offer investment advice on your retirement plan(s) at work such as a 401(k), 403(b), 457, or SEP IRA.

  • Explore insurance coverages - explore and discuss your existing insurance coverages.

  • Examine and review spending needs in retirement.
  • Revisit and discuss your personal financial goals.

  • Listen and provide advice on major purchase decisions.

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