We start with an initial no-obligation discovery consultation. This could be done over the phone, web-conference, face-to-face, or via email. We will uncover your financial concerns, values, and needs. It is the best way to get to know you and for you to get to know me, our philosophy and our fees. If we are compatible and you feel that we provide value, we will move forward to the next step.

After our initial discovery appointment, I will then ask you for information regarding your financial state of affairs so I can get a clear picture of where you are today. Some of the information that I would be collecting is your current salary, net worth, annual expenses, investment statements, employee benefits, and estate planning documents. We will also go over your Risk Profile.

From the information I gathered during our “Discovery” and Gather Information” meetings, I will evaluate your current financial position. Then after a thorough analysis is complete, I will start building a financial plan that correlates with your goals and Risk Profile.

After performing an analysis on your information, I will speak with you either face-to-face, over the phone, web-conference or through a secured message and present your financial plan and any recommendations on how to improve your financial position now for the future you are going to have.

A goal without a plan is just a wish. After I presented your financial plan and outlined how to execute on that plan, you may decide to hire Armis Financial as your investment manager for your portfolio. If this is the case, I will help you get started with the transferring process and steps to begin this service.

During these ongoing meetings, we will get plenty of opportunities to reconfirm your goals or to discuss significant changes to your situation. Of course, the investment and planning strategies implemented may need to be adjusted to help accomplish your changing objectives. We will review portfolio performance net all fees and may present new strategies designed to enhance your likelihood of success. Considering your spending need is also a dynamic process affected by inflation and lifestyle changes. Since portfolio withdrawal rates directly affect portfolio strategies, this is usually a vital component to the review process.