The steps of our process
Step 1 – Contacting us.
The most important step is to get started. You can contact us either through our web site or by calling us at 503.610.8837. We will briefly discuss what services you are interested in and how we can help you. We will provide you with a brief description of our services, philosophies, methodology, and fee structure.
If we decide to pursue an extensive Financial Review or a Financial Project, we will schedule a complimentary follow-up meeting. You will be asked to complete a confidential questionnaire prior to our get acquainted meeting. This will allow us to gain a better understanding of your situation and be the basis for our follow-up meeting.
If a quicker and less extensive Financial Checkup is sufficient to meet your needs, we will schedule the Financial Checkup meeting. The confidential questionnaire is important pre-meeting work you are asked to complete. This will provide a basis for our Financial Checkup discussion and give us running start to our meeting.
Step 2 – No charge ‘Get Acquainted Meeting’.
This is where we will get acquainted with one another. We will use your information confidential questionnaire as a guide for our conversation. The primary purpose is to explore your financial goals and needs. We will also talk about your current financial situation and any areas you may want extra attention applied.
This is also your opportunity to learn about us. It is very important you are comfortable engaging us. We invite you to ask any questions you have so you can learn about us, our services and what we have to offer you.
We will decide on which services are right for you. A formal proposal for the services, including the an estimate of the cost, is sent to you within 48 hours of our meeting. (As previously mentioned, because we are a fee-only advisor, our charges are only for the amount of time required to provide our services. We do not receive any commission nor do we sell any product. You don’t have to be concerned about a high-pressure sales pitch.) If you decide to proceed, we will complete a contract and our firm will get to work.
Step 3 – Data Gathering and Initial Preparation.
Based on the information you provided, we will begin to develop your personalized financial plan. Because everyone’s situation is unique, it is important we fully understand your financial situation. Thus, depending on the services you selected, we may ask you to provide more detailed information of your financial situation.
Step 4 – Clarification and/or Goal Setting Meeting.
We may need to schedule an interim discussion to ensure we fully understanding of your objectives and goals, or if we need get clarity on your financial situation. We understand your time is precious, so we may be able to complete our clarifications via telephone or email.
Step 5 – Analysis and Plan Generation.
In the next step, the firm refines the information you have provided and studies various plan scenarios. The outcome of our research and analysis is a personalized report. This report includes observations, assumptions, specific recommendations, and an action plan that is unique to your situation.
Step 6 – Presentation of Your Financial Plan.
Together, we will walk through your personal plan and explain all its aspects and recommendations. Because this is your blue print toward achieving your financial goals, we encourage questions and dialog. The goal is for you to understand our recommendations.
At this point, you are empowered to implement your financial plan. If you wish, you may employ us further to assist you in carrying out that plan. Note that Trillium Valley Financial Planning does not and will not take custody of your funds, nor do we have any control over your accounts or funds. However if you request, we can assist you as you implement the plan.
Step 7 – Periodic Checkups.
Just as period medical checkups are important to your personal health, periodic financial checkups are essential to maintain good fiscal health. We recommend you have an annual checkup. It is also important to to look at your plan again at each major change and phase of your life, from just starting out to moving into retirement, and all the exciting things in-between. Your financial plan needs to evolve to reflect these changes. By establishing and maintaining a solid personalized financial plan, you can go through your life with Financial Peace of Mind.