What Are Your Responsibilities As a Client In This Working Relationship?

If you become a client of ours, we expect you to be honest and forthcoming about your personal and professional goals, and about your current financial situation. The quality of our advice will depend on the quality of information that you provide to us.

We expect you to share your personal financial data and financial history with us, and to bring in relevant documents upon request. Just as you have to disclose a great deal of information to your doctor, your lawyer, and your banker in order for them to do their job well, we will need a great deal of information to make professional recommendations. For example, your medical history may give us insights that we need for projecting mortality for such areas as retirement or long term cash flow projections, as well as certain types of risk management (insurance).

We expect you to keep us informed in a timely manner about important changes that will have a significant effect on your financial and personal life. These would include such things as marriage, a new baby, any new major financial obligation, a change of income, a change of health, etc.

If the partnership between us is to be valuable and beneficial, you must be willing to allow yourself to trust the intentions and experience that we bring to the relationship. You should be comfortable that the advice we give to you comes from wanting to do only what is right and just for you and your circumstances.

If at any time you find that we are speaking in terms that you don't understand, we ask that you make us aware of it, and request clarification.

Because the key element in getting the most out of a financial plan is giving it a chance to work, you must be willing to allow it a reasonable amount of time to produce results. This involves following through on the smallest details. This does not mean that everything must be done exactly as it is initially planned. It means that when an element of the plan needs to change, it is changed through the planning process.

In summary, the clients who make the most progress do so by making an honest effort to follow the plan. The clients who enjoy exponential progress toward their goals continuously update their plans in quarterly meetings and fine tune the plans until they have an efficient goal meeting machine tailored to their personality and individual needs. For these clients, following the plan becomes effortless since it is perfectly designed for them and following it has become a habit.