i. The Heart to Heart Conversation

We believe that educated clients make good choices and through The Heart to Heart Conversation, we help you:

• Gain a clear understanding of your perspective, goals and vision
  
• Discuss current issues/frustrations
  
• Develop comfort as to whether we are the right fit
  
• Eliminate the unknown
  
• Create a mutual understanding of what it is like to work together
  
• Establish a foundation for a future working relationship

ii. The Full Story

The Full Story is our proprietary process for bringing all of your financial information together. The result is a complete picture of your finances and a clearer approach to investing your money wisely. It includes:

• Identifying/documenting cash flow
  
• Audit/review of personal financial documents
  
• The Personal Financial Autobiography
  
• Take Comfort -- personal risk tolerance assessment

iii. Make Your Money Work

During the third stage we define the financial planning approach that aligns with your goals and objectives, risk tolerance and investment horizon. These are the initial building blocks for The Personal Financial Resource Manual.

• Goal setting (short, mid, long term)
  
• Develop cash flow/budget
  
• Create statement of financial position
  
• Present retirement/education/insurance illustrations
  
• Review legal directives and discuss wealth transfer/issue strategies

iv. Investment Vision Conference

The Investment Vision Conference defines the investment strategies to achieve your family financial plan.

• Review Take Comfort and Personal Financial Autobiography
  
• Present analysis of your current investment portfolio
  
• Present recommended investment portfolio
  
• Review and adopt your Investment Policy Statement

v. Peace of Mind Portfolio

After completing these stages, it is time to implement and monitor the investment strategies that you approved in a manner adopted in your Investment Policy Statement. During this phase we:

• Invest your money over a defined, pre-determined period (as laid out in your recommended investment portfolio)
  
• Communicate all activities, transactions and (if necessary) changes to the portfolio
  
• Monthly portfolio review
  
• Conduct annual conferences to review portfolio performance and discuss changes in your finances and life.