New Client
The client process begins with a short
introductory call to understand what matters most to you. We then move through a discovery and planning sequence to clarify your goals, review your financial picture, and identify opportunities. This is concluded with a smooth onboarding process to finalize details and build a complete, in-depth plan.
Initial Phone Call (15 minutes)
01
- Quick financial snapshot and priorities discussion
- Confirm next steps and schedule the Discovery Meeting
02
Introduction Meeting
- Deep dive into your goals, values, and full financial situation
- Review how we work, what to expect, and how meetings are structured
- Schedule the Planning Meeting
03
Document Upload
(Post-Discovery)
- Upload the key documents and information you want analyzed (accounts, policies, tax items, etc.)
04
Presentation Meeting
- Review findings at a high level
- Identify gaps, risks, and opportunities to improve your current path
- Align on priorities and the recommended direction
05
Onboarding
- Start a streamlined onboarding process designed for a strong client experience
- Establish service cadence, workflows, and communication preferences
06
Final Details Collection
(Post-Onboarding)
- Gather any remaining information needed to complete the full plan
- Confirm assumptions and finalize inputs for a comprehensive, in-depth financial plan
Annual Process
| Meeting | Timing | Length | Primary Focus |
|---|---|---|---|
| Spring Planning Meeting | Mar–May | 60–90 min | Tax return review, plan updates, cash-flow/risk changes |
| Mid-Year Tax Check (optional) | Jun–Aug | 15–30 min | Tax projection, withholding/ES, large income events |
| Fall Planning Meeting | Sep–Nov | 60–90 min | Benefits decisions, insurance, estate/beneficiaries, year-end plan |
| Year-End Tax Execution Call | Nov–Dec | 15–30 min | Finalize harvesting, Roth conversions, charitable, RMD/QCD |
Financial Plan Build Items
Use this checklist to upload the items needed to build a complete financial plan.
Identity & Household
Full legal names, DOBs (all household members)
Address(es), phone, email
Marital status; dependents (names, DOBs)
Primary goals and priorities (ranked)
Key professional contacts (CPA/attorney/insurance agent)
Cash Flow
Inflows vs outflows: Looking at income sources and 3-6 months of average expenses
List of recurring bills (mortgage/rent, utilities, subscriptions)
List of irregular/annual expenses (property taxes, tuition, travel)
Income
Base salary; bonus/commission targets; last 2 years actuals
Comp plan/offer letter summary (bonus, commission, equity, deferred comp)
- Equity comp (RSU/PSU/options): grants, vesting, strike prices, blackout windows
- Deferred compensation (NQDC): elections, distribution schedule, credit risk considerations
Employer retirement plan: match, Roth availability, after-tax/MBDR availability
Benefits summary (health plan, HSA/FSA, employer life/disability
Income (Business Owners)
Entity type; ownership %; cap table/partners
Owner compensation method (W-2, draws, distributions); current-year changes
YTD revenue/profit trends; customer concentration; key employees
Exit objectives and timing (sell, recap, ESOP, wind-down)
Tax Documents
Last 2 years personal tax returns (1040 + all schedules)
Current year estimated tax payments (if any)
Brokerage 1099 package(s) and any K-1s
Form 8606 (if you have non-deductible IRA basis)
Accounts & Statements
Latest statements for all investment and retirement accounts
HSA/529 statements (if applicable)
Mortgage/HELOC statements and property tax/insurance info
Student loan / auto / personal loan statements
Credit card balances (latest statements)
Investments (if managed or reviewed)
Any existing Investment Policy Statement (IPS) or target allocation; tax lost harvesting
Risk Tolerance Questionnaire (RTQ) and/or risk profile and/or capacity for risk.
Liquidity timeline: known large cash needs
Concentration exposures (employer stock, single-stock, real estate, private business)
Account location preferences; tax-loss harvesting preferences; IPS needs
Other Assets Owned
Real Estate, Business Equity, Private Holdings
Insurance
Declarations pages: homeowners/renters, auto, umbrella
Life insurance in-force illustration(s) and policy pages
Disability insurance policy details (group + individual)
Long-term care policy details (if applicable)
Business: key person, buy-sell funding, business overhead DI (if applicable)
Estate & Legal
Will(s), trust(s), and amendments
Powers of attorney (financial) and healthcare directives
Beneficiary designations for all accounts/policies
Business owner only: operating agreement/bylaws + buy-sell agreement (if applicable)
Business Owner Add-On
(if applicable)
Last 2 years business tax returns (1120S/1120/1065 or Schedule C)
Year-to-date P&L and balance sheet
Owner payroll reports and distribution history
Fixed asset/depreciation schedule
Retirement plan docs and Form 5500 (if applicable)
