Our first visit is all about you. We’ll take time to get to know your story—your family, your goals, and what you hope retirement will look like. We’ll talk through your dreams, concerns, and what matters most to you. If we see meaningful ways to help, we’ll also look at your income and assets so we can start putting together some initial ideas to share in Meeting 2: Analysis.

In our second meeting, we’ll build on what we learned in Discovery and share tailored ideas and reports to help you work toward what matters most—whether that’s reducing taxes, maximizing investments, protecting assets, planning for healthcare, or leaving a meaningful legacy. We’ll also talk through what it would look like to implement these strategies together and outline how an official advisory relationship works. By the end, you’ll have everything you need to decide if moving forward feels right for you.

Next, we’ll meet to begin the transfer process—moving your assets from your current custodian to either Fidelity or Charles Schwab. During this step, nothing will be sold, your investments will remain exactly the same, and there are no fees or tax consequences. It’s simply like moving money from your right hand to your left. We’ll also review and finalize the investment management agreement. Once your assets have safely arrived in your new accounts, we’ll move forward to the next step: personalized investment planning.

Together, we’ll design an investment plan that truly reflects you—your risk tolerance, return expectations, and personal preferences. For some, this means creating an entirely new strategy; for others, it may simply be refining what’s already in place with a few thoughtful adjustments. Nothing we do is cookie cutter—it’s all tailored to your goals. Once your plan is complete, we’ll put it into action and then move on to the next step: Advanced Planning.

At this stage, we’ll focus on your broader goals through our REACH process—Reduce Taxes, Estate Planning, Asset Protection, Charitable Giving, and Healthcare Planning. Working alongside our in-house team of CPAs, attorneys, Medicare specialists, and CFP® professionals, we’ll design an Advanced Plan: a coordinated set of strategies to align every part of your financial life with what matters most to you.