A straightforward planning process

No two financial plans are exactly alike because no two lives are exactly alike. The process below provides a general overview of what you can expect when working with Action Financial Planning.

Step 1: Discovery Call

A complimentary introductory conversation where we’ll discuss:

• Your goals and priorities
• Questions you have about financial planning
• Whether Action Financial Planning is a good fit
• Which service tier fits your situation, and the fee

You’ll also receive my Form ADV Part 2A disclosure brochure and Privacy Policy. There is no obligation to move forward.

Step 2: Getting Started

If we decide to work together:

• You’ll review and sign an advisory agreement.
• You’ll pay the first 50% of your plan fee to begin; the remaining 50% is due before your plan presentation.
• You’ll complete a risk-tolerance questionnaire.
• We’ll discuss and prioritize your financial goals.
• You’ll upload relevant financial information through the secure client portal.

This information helps me develop recommendations tailored to your circumstances.

Step 3: Your Personalized Financial Plan

Every financial plan is different. Recommendations are based on your circumstances and may include some or all of the following:

Recommendations are based on the information you provide and are designed around your goals and time horizon.

Step 4: Implementation Support

After we review your financial plan together, I provide implementation support based on the service tier you select. You remain in control of every financial decision and may accept or decline any recommendation.

Step 5: Ongoing Planning

After your plan is delivered, you decide how you’d like to stay engaged. You may choose an ongoing subscription or schedule Financial Wellness Checkups as needed.

Monthly Subscription — best for year-round access. A monthly fee (tied to your plan tier) covers guidance as questions arise, up to two one-hour meetings a year, and an annual two-hour Financial Wellness Checkup with plan updates.

Financial Wellness Checkups — best for periodic check-ins with no monthly fee. You schedule and pay per checkup — two one-hour meetings each (one to capture changes, one to present your updated plan). To keep standard pricing, schedule within two years of your plan or last checkup.

Either way, I recommend a review at least yearly — sooner if your circumstances change. Full details and fees are in my Form ADV Part 2A.

Financial planning is most effective when it evolves with your life. I encourage clients to share significant changes so recommendations can continue to reflect their goals and circumstances.

What I’ll ask of you

To provide meaningful advice, I ask you to:

• Provide complete and accurate information.
• Notify me when goals or circumstances change.
• Participate actively in meetings and planning discussions.
• Ask questions whenever something isn’t clear.