Client Engagement Process 1. Discuss your current financial situation What do you currently have for insurance coverages such as disability, life, and long term care? What do you have in savings and investments such as bank accounts, 401Ks, IRAs and real estate? Have you done any estate planning such as wills, trusts, durable power of attorney, and health care proxy? 2. Establish your financial goals For example; I would like to retire at age 65 and be sure that I can spend the equivalent of $75,000 per year (inflation adjusted) and still leave something to my heirs. 3. Analysis We compare current situation to alternative strategies aimed at helping you reach your financial goals. We have financial software reports to help you understand any financial issues that could prevent you from reaching your goals. 4. Recommendations For example, we may find that you need to save more to reach your retirement goals or that you should have some additional insurance coverages. 5. Implementation It is up to you to decide which of our recommendations make sense to you and how quickly they get implemented. 6. Regular reviews It is important to meet at least annually to review your progress toward your goals and discuss any changes.