This review is customized to the individual client in regards to frequency and location. At these personal meetings, discuss what has been going on with nonfinancial matters, and have a brief review of your financial lifecycle plan and its portfolio holdings.

The goal of this meeting is to provide a forum for clients to communicate important issues with family members. The agenda might include discussing your estate plan, your long-term care plans, or a succession plan for a family business.

We will review your current estate plan with you to confirm that it meets your goals and objectives for your family. If changes are necessary, we will work closely with your estate planning attorney to implement.

For clients who identify philanthropy as a key goal, we will discuss your current mission and values for this giving, evaluate currently employed strategies, and discuss, if appropriate, methods for increasing the effectiveness of your philanthropic endeavors.

We review your income tax return for compliance, tax planning opportunities, and tax efficiency. We review for compliance to make sure all proper deductions, credits, and opportunities are utilized. We review to make sure we are planning for all tax savings strategies, particularly in times of tax law changes or client transitions. Finally, we review for overall tax efficiency of the portfolio to make sure that we are paying the necessary attention to the tax drag on the timing and characteristics of divide

We provide you with an analysis of the cost of educating your children or grandchildren, and discuss the most effective way of funding this goal. Then we review the progress in your education funding goals, review critical assumptions, and if appropriate, discuss with you the child's current educational aspirations. We make sure that you are taking advantage of the appropriate savings vehicle and are on track for the family's goals.

We will review your various insurance policies from automobile to long-term care to life insurance. We will comment on the quality and cost effectiveness of the existing coverage as well as make recommendations for termination or additional coverage where necessary.

Our first meeting that focuses on you, your goals, and your needs. These meetings also provide the tools you need to
make decisions about your financial life.

Our second meeting in the process, where we share our observations on your current situation, and present your customized plan and strategy.

The purpose of this meeting is to complete the new client paperwork and set communication preferences.

We confirm that we have addressed or uncovered all key issues and that we have a forward-looking plan to resolve.