Retainer Program

• Initial financial plan with recommendations provided.
  
• Financial plan updated at all future meetings.
  
• Semi-annual pre-scheduled update meetings.
  
• Each meeting addresses all six areas of financial planning:
  
  • Financial position - Track net worth, cash flow, cash reserves, debt management
    
  • Insurances - Life, disability, long term care, auto, home, liability, employee benefits.
    
  • Investments - Review performance, current market conditions, risk profile. Progress toward other goals (education, vacation home etc.)
    
  • Income taxes - Review past returns and plan for future.
    
  • Retirement Planning - Confirm projections match goals.
    
  • Estate Planning - Confirm plan is made, documents are appropriate, asset ownerships and beneficiaries align.

• Summary letter with follow up steps provided after each meeting.
  
• Joint meetings/coordination with other financial professionals (attorney, tax preparer, insurance agent, banker etc.)
  
• Cell phone, email access whenever needed.
  
• Invitations to all client events.
  
• Avoid product related charges whenever possible.

Annual Fee is .25% of non-home net worth, paid monthly by ACH, adjusted annually, $500/year minimum. At advisor’s discretion.

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