It is imperative that the client feels "the comfort zone". This means that a recommendation that we might make should never be utilized by the client unless the client has complete understanding and feels "comfortable". Cookie cutters are for baked goods not for clients. And although we use general format, we tailor each plan to fit the needs of the client. 

Each plan is delivered in an understandable format with a specific implementation schedule. We strongly believe that the only stupid question is the one that is raised during the process but not asked. The financial planning process is interactive, that is we do not do it for you, we do it with you. For you to delegate that process totally to us is an abrogation of the responsibility for your financial well-being.