What to Expect From Your Complimentary Consultation
No pressure. No cost. Just an honest conversation.
A No-Pressure, No-Cost First Step
Your initial consultation is completely complimentary, with no obligation to move forward. Ask questions, explore your financial goals, and understand whether our guidance can meaningfully support your long-term plans.
We meet in our Vineyard Haven office or remotely — whatever works best for you.
Confidentiality You Can Trust
Everything you share during your meeting is strictly confidential. As a fiduciary investment advisor led by Grant Joiner, CFP® and EA, we are committed to maintaining your privacy, protecting your information, and always acting in your best interest.
How To Prepare for Your Meeting
Bringing the right information helps us create a clear and accurate picture of your financial life. But please don’t worry about having everything perfectly organized. Some people bring in extensive documentation, some people bring in none. We’re here to meet you where you are. Everyone comes in at a different place, and it’s normal to feel a mix of emotions around money. We offer clarity, not judgment.
The more numbers you can provide, the more specific our guidance can be. However, nothing needs to be formal or complete. Simply gather whatever you already have on hand. Even partial or incomplete information is useful. And if you’re someone who likes to get everything down in writing, download our fact finder here.
Possible Items to Bring
Don’t worry about having everything — bring whatever you have on hand.
Financial Overview
- ·Investment account statements (401(k), IRA, brokerage)
- ·Bank account and retirement plan statements
- ·Stock options or equity compensation details
Income & Cash Flow
- ·Most recent pay stubs or income documentation
- ·Social Security benefit estimates
- ·Budget or spending outline
Taxes
- ·Most recent tax return (1040 + schedules)
- ·Receipts of any charitable giving
Insurance & Risk Management
- ·Life, disability, long-term care, or umbrella policies
- ·Employer-provided benefits summaries
- ·Health savings account (HSA) details
Estate Planning
- ·Existing wills or trusts
- ·Beneficiary statements
- ·Powers of attorney or healthcare directives
Goals & Priorities
- ·Retirement timeline
- ·Major life goals (home purchase, education, business planning)
- ·Any questions or concerns you want to address
What Will Happen During the Consultation
An example of a financial plan.
1. We Get to Know You
We’ll discuss your goals, priorities, and concerns, whether you’re planning for retirement, optimizing investments, addressing taxes, evaluating risk, or just looking for some general guidance and perspective.
2. We Review Your Financial Picture
We’ll walk through your documents together and help you identify strengths and opportunities across investments, taxes, retirement planning, and estate considerations.
3. We Provide Initial Guidance
You’ll leave the meeting with clarity, actionable insights, and a sense of the strategies that may support your financial future. We’ll enter information that you provide into planning software to model what your financial life and retirement may look like.
4. We Follow Up
After the meeting, we’ll send you a follow-up email that summarizes our meeting, highlights any specific next steps that were discussed, and provides a draft Financial Plan (view a sample financial plan (PDF)). We will likely model your situation in a manner similar to what you see in the attached sample plan. This outline is something that we provide everyone, whether or not they have any intent to work with us on an ongoing basis.
5. You Decide What Comes Next
After the consultation, you’re in complete control. Some clients choose to move forward with ongoing planning or investment management; others simply take the insights from the meeting. There is never any pressure or commitment.
Ready to simplify your financial life?
Schedule a free, no-pressure consultation with Grant at our Vineyard Haven office or by phone.
We'll review your situation and give you honest guidance on whether working together makes sense.