The Cummins Team - Planning Process

NEW CLIENTS AND THE PLANNING PROCESS

Understanding a client's circumstances, goals, current needs and time frame are critical in the financial planning process. Here is a typical new client experience:

A personal meeting occurs in order for everyone to get acquainted. We will discuss your needs and goals as well as review what steps have been taken so far. I encourage all key members to be present at this meeting.
We will talk about investment philosophy and past experiences to see if we can work together.
Once a decision to begin a business relationship is made, accounts are opened, assets are gathered, and the entire portfolio is reviewed for strengths and weaknesses. An Investment Strategy is formulated and recommendations are made. The compensation method is agreed to by all parties before transactions occur.
I will interact with your tax and legal advisors to coordinate the best solutions for individual financial success.
Follow-up occurs on a regular basis to review, monitor progress, discuss life changes and discuss opportunities.
To be successful, the client must also be responsible. Let me know if substantial changes occur, capital is available or needed for specific expenses or questions arise about the plan itself. Prompt and timely responses will only enhance success and satisfaction.

My success is measured by your financial achievement over the long term.