Financial Advisory Process

INTRODUCTION SESSION Evaluate if planning will be helpful, determineClient and Spouse the costs and decide whether or not to proceed.

INFORMATION INTERVIEW A review of the Data Information Form, legalGather Financial Information documents, employee benefit statements, any

Discuss Client Objectives investment summaries - with an extensiveClarify Client Attitudes discussion of client goals and family attitudes.

CONFIRMATION STEPS A review of the re-stated Plan Objectives, thePlanning Objectives Plan Assumptions to be used, the listed data and

Planning Assumptions the initial balance sheet with cash flow andReview of the Financial Data income tax summary.

REPORT PREPARATION Determining where the client is headed - if noPresent Situation Analysis change in direction is made; measuring the

Problem Identification extent of problems or shortcomings; testing ofDevelop Recommendations alternative solutions; developing a formal plan.

REPORT DELIVERY SESSION A review of the initial recommendations and howReview of the Report they will address the problems. Client responseAdditional Issues (?) frequently indicates a need for added study or

Initial Decisions Made plan alteration. A Service Form indicates partiesService Request Form to assist in plan implementation.

IMPLEMENTATION INTERVIEWS Continued meetings with the client and otherAdditional Analysis (?) advisors to accomplish the tasks required to

Meeting with other Client Advisors implement the plan. Since many are sequentialMaking Decisions & Taking Action this process extends over several months.

CONTINUED SERVICES Periodic meetings thereafter to review theReview of Implementation performance of investments, changes in family,

Investment Monitoring career and economic circumstances.

SERV ICE

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