The primary purpose of a financial plan is to create a straightforward guideline which provides an optimal rate of spending, saving, and investing. This allows you to pay your bills today, save for future purchases, and ensure you'll have the retirement income you desire. 

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The typical plan takes place over five to ten sessions and proceeds as follows:

 

1. Construct Financial Picture: We first collect information on the client's current and expected income, expenses, and goals. Using this information, we'll work with the client to create an initial budget; once completed, the client will receive an invoice for step one and a price quote covering steps two through four.

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2. Assessment of Retirement Readiness: The client’s financial picture is used to determine if they’re currently on track for retirement, if not, recommendations will be made to correct this. We then compare and make projections on the potential impact that changes to their financial picture could have on their future.

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3. Recommendations & Feedback: We use client’s financial picture and assessment of retirement readiness to make recommendations for maximizing long-term financial welfare. We’ll then consider the client’s feedback and refine the recommendations as needed.

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4. Implementation: Once the plan is complete, methods for implementing the plan are discussed with the client and included in their final document. The finalized plan is provided to the client as a PDF document sent via e-mail. We'll keep in touch over the following weeks to ensure that everything's running smoothly. An invoice will be sent to the client prior to receiving the finalized plan. 

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5. Reassessment: In a few months to a year, we’ll meet again to assess how the client’s implementation of the financial plan has gone so far. From here, we’ll reassess the plan to make sure it’s still a good fit and make changes and/or additions if needed. The reassessment consultation will be free of charge. However, changes and/or additions to the financial plan are done on an as needed basis; therefore, fees for this service will be in addition to the price quote provided at the end of step one.

 

A session is typically forty-five minutes to an hour. The waiting period for each plan varies by the complexity of the individual client’s financial situation, but should be expected no later than five business days after step three is complete.

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Satisfaction Guarantee: 

Under no circumstance will TJSinvest attempt to solicited more than the specified quote price provided at the end of step one. Additionally, before receipt of the completed financial plan (step four) or at any point prior, if the client is at all unsatisfied, they are not obligated to pay.