We understand the reason you are here is different than the person before you. Whatever your situation may be, we work hard to create a comfortable environment whereby clients are heavily informed prior to making any financial decisions.
We have a formalized three-step process that in no way feels formal. Over the course of our process, plan to meet two to three times for an hour each meeting.
HERE’S WHAT TO EXPECT
Step 1: DISCOVERY – Getting to Know Each Other
- We ask what is on your mind financially
- What are your goals? Income Needs? Timeline? How do you feel about market risk?
- Most importantly we listen
- Then we share how we work with you
- We’ll ask you to complete a financial planning questionnaire and bring in statements from social security, pensions, 401(k)s, 403(b)s, IRAs, deferred and executive compensation, insurance, and other investments you may own
Step 2: FINANCIAL PLAN - Presentation
We’ve done the analysis and created your financial plan using the information gathered and discussed at our first meeting.
Your long-term plan will show:
- How much you can retire on based on your assets
- Your withdrawal rate
- Estimated yearly cash flows and taxes
- What works well and what does not
- Adjustments that may need to be made
- Janney’s Rollover Considerations Guide
- Morningstar Snapshot showing a sample asset allocation based on our conversations
- A list of path forward items
Step 3: IMPLEMENT – We Want to be Your Advisor for Life
- We address any outstanding path forward items from the previous meeting and answer questions you may have
- Make investment recommendations
- Open new accounts
- Prepare the appropriate paperwork to transfer accounts or invest your assets
- Review and manage your investments and communicate regularly about your financial situation and accounts.
- Strive to anticipate changes in the market and try to minimize any large movements which may affect our long-term retirement goals
- As your situation changes, we go back through your plan and make adjustments as needed
After investment decisions are made and we establish a trusting working relationship, we are available at any time and can be contacted via work phone and email. Several times a year we hold Market Update conference calls and meetings for groups of clients. Throughout the year we schedule client appreciation events and hold regular review in-person review meetings. Our women clients also get a chance to have their own unique events which provide times to address important issues to them.
