1. Review clients’ investment goals:

• Retirement goals
• Children's College Savings
• Children's Weddings
• Other specific personal goals

2. Review clients’ current savings plan:

• Current investable assets
• Company stock plans
• Current retirement assets and plans

3. Determine course to obtain goals:

• Add to savings
• Reduce debt
• Portfolio recommendation

4. Monitor progress and adjust course:

• Review portfolios quarterly
• Periodic client meetings
• Adjust plan as circumstances change