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our process



The Financial Planning Process

(For Targeted or Comprehensive Financial Plans)


01. Initial Inquiry

The first, and most important, step in the financial planning process is your initial inquiry to SagePath. We will provide a brief description of our services, philosophies, methodology, and fee structure. If our services appear to fit your needs, we will schedule a no-obligation Get-Acquainted meeting. We will email (or mail) you additional information to review, including some questionnaires that will help us better understand your financial situation. Our Get-Acquainted meeting will be most productive if you have filled out the questionnaires prior to our Get-Acquainted meeting.


02. No-Obligation Get Acquainted Meeting/Teleconference

The "Get Acquainted" meeting is an opportunity to exchange information about your financial planning needs and objectives. At this meeting, we will discuss which of our services are right for you and will provide you with an estimate of the cost of our services. Remember, we do not accept commissions, rather we charge only for our services on an hourly, as-needed basis, or project basis.

If we mutually determine that we have a good fit and if you choose to use our services, we will provide a list of additional information that we will need to begin work on your financial plan. Both parties will also sign a Client Service Agreement for the services to be provided before moving forward. Contact us today to get started. 


03. Data Gathering & Initial Preparation

After receiving your information, we will begin to review and develop your custom financial plan. We will prepare initial reports that we will discuss during our next meeting or teleconference. You will need to gather the requested data and, if you have not already done so, complete a confidential questionnaire and a risk tolerance questionnaire provided by SagePath. This information must be provided before your financial plan can be completed.


04. Interactive Goal Setting

Depending on your individual circumstances, this meeting may or may not be necessary. If it is, it can be in person or via teleconference. We will work with you to further discuss and clarify the information you have provided thus far, and to refine your financial goals and objectives. This is another opportunity for you to clarify your current situation, financial goals and objectives, and to discuss any additional questions and concerns.


 05. Analysis and Plan Formulation

With the information you have provided, we will create and study various plan scenarios. When we have concluded our research and analysis, we will produce the final reports that include observations, assumptions, specific recommendations, and an action plan for your unique situation.


 06. Presentation of Your Financial Plan

At your financial plan presentation meeting, we review your personal financial plan and the specific recommendations developed for your financial goals. You will be provided with a copy of your financial plan and recommendations to take home; this is your personal blueprint for financial success designed with your financial goals in mind. You are empowered with specific recommendations to implement your financial plan.


07. Financial Checkups 

Periodic update meetings and reviews are essential to maintain good fiscal health. We can schedule these periodic meetings with you at whatever frequency you think appropriate. We remind you that financial planning is an ongoing process, not a one-time event. Goals change, unexpected events happen, life moves in another direction... as such, your financial plan is a living document and periodic reviews are crucial to reaching your financial goals.