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Our Process

From the first time you walk into our office, you’ll notice that we're a little bit different. Everything we do is designed to make you feel comfortable and reduce the stress that can come with making financial decisions. Our client-centric process was designed with YOU in mind.

No matter what your level of involvement with financial advisors has been in the past, we recognize it can be a little intimidating to make your first appointment. We pride ourselves in taking the stress out of this process for our clients, starting with our very first meeting.

Getting to Know Each Other




The initial meeting is your meeting. It is an exchange of questions, concerns, ideas, and a discussion of your financial goals. This is where you can ask us the key questions on your mind, such as:

  • What services does CBD provide?
  • What makes CBD different from other firms?
  • What can I expect from CBD if I and/or my family decide to become a client?
  • How can CBD help me?

The initial meeting will give you the chance to meet and interview us without the pressure of being asked to make any commitments. Hopefully this will be a first step in creating a bond of trust between you and CBD.

From our perspective, we want to learn about you, your family, and your goals. If you’re comfortable proceeding, we will begin to learn about your finances, such as:

  • How did you get to your current financial position? (Tell us your experiences – good or bad)
  • What do you feel are the biggest financial challenges you face now, or will face in the future?
  • What is it that you wish to accomplish in terms of your financial goals and which goals have priority?
  • What do you expect from a financial advisory firm?



After this first meeting, we’re ready to conduct an in-depth analysis of your financial picture. We will put our critical thinking skills to use in analyzing all the information we’ve gathered, identifying any deficiencies or gaps in your plan. We will:

  • Analyze the records and documents you provide
  • Create a comprehensive financial plan, outlining where you are heading and whether you are on pace to get there
  • Organize and consolidate all your records and present your financial picture in a manner you can understand
  • Look at possible solutions to problem areas and identify strategies to help you capitalize on opportunities



This is where we get together with a goal of:

  • Presenting you with our plan for helping you reach your goals
  • Answering any additional questions, you might have thought of
  • Make a mutual commitment to work together as trusted partners

Sometimes, depending upon the complexity of your financial plan, this step may necessitate more than one meeting. But don’t fret. We’ll do our best to make the process as stress free as possible!

Becoming Part of the Family




This is the meeting where we handle all the mechanics of moving your accounts. You’ll sign new account forms and transfer forms authorizing us to take over your accounts. We’ll outline the transfer process for you and answer any questions you have. Finally, we’ll make sure you leave this meeting with a full understanding of what will occur over the next several weeks.




Paperwork! Paperwork! Over this period, you’ll receive a tremendous amount. Using the forms you just signed, we’ll begin moving your accounts from your prior brokerage firm into the new accounts we’ve established at Commonwealth Financial – our broker / dealer. You’ll receive confirmations that the accounts have been established as well as confirmations that the assets are moving between firms. During this period, we’ll audit all your accounts to make sure that 100% of your assets have been transferred. Our team will then begin the process of implementing our agreed-upon investment strategy and financial plan. Please keep all the documents for review and discussion at our 45-day review meeting.




This meeting is strategically scheduled to take place after you’ve received your first complete statement. It’s at this meeting where we walk you through understanding your monthly statements, review all the paperwork you’ve been receiving and answer any outstanding questions. We’ll also address things like:

  • online access to your accounts
  • paperless statement options
  • tax documents and reporting
  • check writing and other access to your funds.

With You Every Step of the Way




Financial planning is an ongoing process. Together, we’ll establish how frequently we should meet to review and assess your progress. As time passes, your preferences, goals, and needs are likely to evolve. The monitoring process is not just a reaffirmation of your original plan, but a process that continually measures your results and makes adjustments as necessary. By mining the financial landscape and adjusting when needed, we make sure you are never alone when it comes to staying on course in reaching your goals.




We will meet with you regularly per our agreed-upon review schedule. However, it’s not uncommon for us to have more frequent meetings when life’s transitions occur (i. e. retirement, death of a loved one, job change, etc.). Ongoing meetings serve as a time for us to discuss your current situation and make sure no changes are necessary to your long-term plan and investment strategy. We welcome the opportunity to meet with you.