How it starts
The first step is a fifteen-minute phone call. No cost, nothing to sign. We’ll ask about your situation and who’s advising you now, and we’ll tell you then whether it makes sense for us to meet.
The next step is the Financial Road Map, a ninety-minute working session, with both of you if there are two of you. It gets at what matters to you and why, puts working numbers on your goals, and tells you where we’d start. You leave with your completed Road Map and, within a week, our written read: the one issue that matters most and what a plan address first. It costs $500, agreed in advance. If you go no further, that’s fine. You’ll have something you can use.
From there, most people start with the plan. It’s the first three months of a one-year relationship, at a flat fee set in advance. We build a written plan for each part of your financial life, one strategy that pulls them together, and a list of what to do, why, by when, and by whom. Brody, Denise, and Jacob each review it before you see it. When it’s delivered, you decide whether to continue. If you’d rather stop there, you can; the fee is the same either way.
Ongoing oversight is a flat annual fee, not a percentage of your investments, with Mike and Ellie, or with the reviewers staying involved every four months. If we handle the accounts, there’s a separate fee for that. Your CPA and attorney keep billing you directly for their work, as they do now. If a question needs a specialist you don’t already have, we’ll propose it, with the cost, before anything starts. You’ll also know what every professional in your financial life is costing you, to the penny, including us. You’ll have all of this in writing before you decide anything.
What the first year looks like
You sign the agreement and send us your documents. We go to work on your plan.
About two weeks after the documents are in, we meet to start on the highest-priority action items while the full plan is built.
Over about three months the plan comes together, with the reviewers’ notes, and we meet to walk through it. Forty-five days after that, a progress meeting: what’s done, what’s next, what’s changed.
From there we meet every four months on a set agenda, first to get your financial house in order and then to keep it that way forever.
Everything we decide goes into a written record you can read any time: what was decided, why, and what’s still open. Nothing depends on anyone’s memory, including ours.