1)  With a 30-minute phone call or Zoom video, we learn about each other through questions and answers, assess our compatibility, and explore ways in which we could work together. 

2)  Based on financial statements and other information about you that you provide us after the first call or Zoom meeting, we discuss your goals and their feasibility in view of your assets and risk profile. 

3) We conduct our due diligence and determine the primary ingredients for your  financial plan, whether the emphasis is on reliable cash flow in retirement, or asset growth if you are still in the accumulation phase. We will create a document proposing our recommend strategy for achieveing your goals, our role in the process and our fees. 

4) We meet in the RFG offices to go over our proposal and answer any questions you might have. You may decide to engage us at this time to deliberate. If you decide to work with us, we both sign an advisory agreement and get started.

5) We will handle the administrative task of transferring your assets to one of our custodians.