Step 1.

 Schedule an appointment to understand your current situation, past experiences, income goals, concerns, and vision for the future. 

Step 2.

Analyze your statements, holdings, resources, prepare recommendations, and ask the right questions.  What is your income gap?  What needs to occur to help close the gap?  What potential threats exist to maintaining your lifestyle income and pursuing your goals?  Can these be mitigated? 

Step 3.

Explain my opinions and suggestions to you in plain, simple language that is unbiased and objective 

Step 4.

Adjust the plan and investments based on life circumstances, meaningful changes in tax laws, market conditions, and progress toward goals.