1

Discovery Meeting

What drives you? How do you want your future to look? Who are you?

If we decide to work together after your free Icebreaker meeting, we’ll move on to your Discovery Meeting. Here, I want to talk less about money and more about you.

2

Data Analysis

What are your financial strengths and weaknesses? Where are they?

After your Discovery Meeting, I’ll send you a secure and encrypted link to upload different pieces of personal and financial data. During this time (1-2 weeks) I’ll analyze your financial picture and prepare for your Review Meeting.

3

Review Meeting

Do you comfortably understand your current financial picture?

We’ll review all the information and data you provided. Before we move on to recommendations and advice, I believe it’s important for you to understand your current financial picture. Here, you can ask any question and also help answer any question I might have. After this, I’ll prepare my recommendations and advice (1-2 weeks) for your Advice Meeting..

4

Advice Meeting

How can my financial picture be improved? Where is it already great?

Now for the fun stuff! This is when we go over all the recommendations and advice. My goal is for you to walk away feeling confident and secure with your financial picture. This is your time to relax your shoulders and get some breathing room. And if we don’t cover everything in this meeting, everyone is offered a free follow-up meeting.

At Just Advising, I look at your complete financial picture. Everything personal finance must be considered for them to sing in harmony. One cello out of tune can disrupt a whole orchestra.

I will consider your goals, values, taxes, investments, cash flow, insurance needs, and estate plans. With this rounded approach to personal finances, we are more likely to catch parts of your financial picture that may otherwise be overlooked. This will help both of us sleep at night.

An example of why this is important:

Without a Rounded Approach:

A 25 year old just graduated with her Master’s degree and landed a job. She invests 20% of her paycheck every month and doesn’t spend more than she earns. Any excess cash flow after investing and expenses gets saved into a high-yield savings account earning more than the industry average.

That sounds great, right? But, what are her goals for after this job? What happens if she gets sick or in a bad accident? Is she investing with taxes in mind?

With a Rounded Approach:

A 25 year old just graduated with her Master’s degree and landed a job. She has plans to leave within a year or two, so she only invests 15% of each paycheck because she’s building up her emergency fund first. She also has a few debts to pay off before they earn interest. Because her income is relatively low right now, she’s using tax-exempt accounts. Although she has no children, accident and sickness are always a possibility so she has plans to see an estate attorney to set up some documents like a health care power of attorney and durable power of attorney.

Now she’s prepared! And those are only a few examples of the differences a rounded approach can make.

**This is a fictitious examples and does not involve any client of Just Advising.**

More information.

More information can be found in this form ADV Part 2A/2B.