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COVID-19 Update: We have not experienced any disruption to our firm. We remain committed to providing the highest level of service to our clients and remain available to potential clients who are interested in evaluating our firm. All meetings will, of course, be virtual or by phone until further notice.


WHY: We have designed this process to give you (and us) a framework for making an educated and informed decision about working together. Of equal importance, you will finish this process knowing exactly where you stand in the four key areas of retirement success.

WHAT: For people who are potentially a good fit for our firm, there is no cost or obligation for this process as we want you to know exactly how we can help you before you pay us a single dollar in fees or trust us with a penny of your nest egg.


Initial Phone Meeting

After all, you wouldn’t see a Cardiologist if you needed ankle surgery

Before committing your time or ours, this 20-minute phone call will give us both a chance to make sure your situation matches our expertise. You probably have a lot of questions, and so do we. This meeting is designed to make sure we are compatible to work together. Just an honest conversation.

No Selling. No Cost. No Obligation.

First Office Meeting

Like a doctor, it's important to diagnose before we prescribe

The goal of this meeting is to get a clear-cut idea of your goals, concerns and unique financial situation. Together, we will review the results of your current retirement path so you have a solid understanding where you are and what you need to do to pursue your desired outcomes.

Your answers to our questions, along with the documents we requested you bring, will guide our analysis, which will result in plain-English answers to four critical questions.

Our Analysis

This is where the magic happens

Here is the exciting part. Now the ball is in our court.  We start crunching the numbers, building your plan, and creating our recommendations.  We will apply decades of experience, decades of Nobel-prize winning research, thousands of hours of training to answer the following questions:

  • Can you afford to retire?

  • Can you eliminate, or at least reduce threats to your retirement?

  • Can your portfolio be improved?

  • Are you overpaying your taxes?

Second Office Meeting

This is where the proverbial rubber hits the road

During this meeting we will explain, in plain English, exactly what you need to do to achieve your financial goals, including the answers to the four questions we asked during our analysis.

This is where you will see, in dollars and cents, how our firm can improve your finances.

At the end of this meeting we will ask if you would like to begin working with our firm or if you would like to sleep on it.

Sleep On It

We will follow-up within a few days to determine how you would like to move forward.

We are in no rush for you to make a decision. Prior to deciding whether we should work together, you will want to answer the following questions for yourself:

  • Do their financial planning recommendations make sense to me?

  • Do the benefits outweigh the cost?

  • Do I understand and agree with their investment philosophy?


Sign the dotted line

We are truly honored to be working with you. Before the fun begins, we will regroup (via phone or in-person) to answer any outstanding questions and set expectations for the new client process.

Prior to this meeting, we will have sent you a detailed breakdown of this process and addressed any concerns.

*While we would love to work with you, if you decide that it’s not a good fit we will wish you all the best and every success. In other words, there is never a hard-sell or pressure to say yes.




You can sign up for our  e-newsletter which includes hand-picked financial planning articles to help you make good decisions with your money.

You can also call our direct line at 630-560-4880 if you just have a few questions for us. Our blog might be a great resource for you, too.