An Emphasis on Planning

Phase I: Intake & Analysis

Our 4-phase financial planning processThis is our initial meeting where we get to know each other and ensure that a good working client/advisor relationship will be beneficial to all parties.

  • Collect important documentation
  • Identify immediate, secondary, and tertiary goals
  • Review a cash flow expense worksheet
  • Complete a risk profile analysis
  • Clearly explain all services, fees and expenses
Phase II: Plan & Design

Our 4-phase financial planning processTogether, we then make a comprehensive review of the information previously collected.

  • Full analysis is provided outlining any financial or planning gaps
  • Future projections of current investments and plan are highlighted
  • Review the personalized financial plan
  • Solutions are recommended based on objectives and risk profile
  • Advisory relationship created with clearly identified fee and expense schedule
  • Onboarding process can be initiated within 24 hours
Phase III: Implement & Invest

Our 4-phase financial planning processNow we implement your financial plan and investment strategy.

  • Letter of engagement and necessary documents generated
  • Collection of signatures and transfer of accounts
  • Continued communication until all action items during onboarding are complete
  • The goal is for process to be transparent, succinct and seamless
Phase IV: Monitor & Refine

Our 4-phase financial planning processWe monitor your plan and accounts on a regular basis to ensure the financial plan and investment objectives are being met according to your timeline.

  • Performance reports and statements are generated monthly for clients
  • Review plan progress and continually measure financial targets
  • Analyze, review and refine the investment holdings according to any life changes or market shifts
  • Quarterly meetings are held during the first year
  • Recaps of the account performance reports/statements

Fee Structure

In lieu of an AUM (assets under management) Fee Model, clients may select financial planning, tax planning or investment advisory services utilizing an annual retainer agreement. An annual retainer for services agreement, is implemented with a formal Financial Planning Agreement outlining expectations, specific services, and client deliverables.

Arka̅gos Advisors ADV

Internal processes for new clients:

First meeting / Intake Session

  • Once you have scheduled a first appointment, you’ll receive an email with directions to our office and a guide for forms to either bring in or send back prior to the meeting electronically;
  • During the intake session, information is gathered, goals are defined, and fees and expenses are covered in full detail so that you a have a clear understanding of expectations going forward;
  • You are provided a sample letter of engagement to help identify objectives and define the scope of services necessary;

Second meeting

  • A full analysis of your initial intake session is provided outlining any financial or planning gaps and illustrating future projections of your current investments and financial goals;
  • Solutions are recommended based on your objectives and tolerance for risk as established during the first meeting;
  • We extend to you an offer to enter into an investment advisory relationship with a clearly identified fee and expense schedule via our ADV;
  • If you choose to move forward, then the choice of hard documents or digital documents is made and the onboarding process can begin within 24 hours;

Third meeting (optional)

  • Occasionally a client wishes to have a 3rd meeting to go over more details and that is at your discretion

Onboarding

  • Documents are signed;
  • Your accounts will be transferred if required;
  • We will follow up with you via phone or e-mail during the process to confirm account opening, numbers, online access to custodian and client portal are all established and in good order.

Quarterly Meetings

  • Performance reports along with TD statements are generated monthly for clients;
  • Generally, there are quarterly meetings during the first year either in-person or via Skype at the client’s discretion; these are generally short in nature to provide a condensed recap of account performance and ensuring the client’s plan is on target;
  • All your questions and concerns will be addressed.