12 Ways We Help Each Client Move Towards A State of Abundance and Define Their True Purpose For Money, Using Process Driven Coaching

At Free Market Financial, we follow an orderly process to serve you better. This process involves twelve valuable ways we educate, listen, evaluate and help you discover your own best path to your financial goals.

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1. Initial Consultation.

Our process in working with clients begins with education, usually at a seminar or during an initial consultation (in person or online meeting). We consider our introductory presentation, Separating Myths from Truth - The Story of Investing^TM and the follow-on materials, Seven Deadly Investor Traps^TM (audio CD) and the Investors Awareness Guide^TM (a critical prerequisite for prospective clients to experience) before we make a decision to work with them.

If you would like an initial consultation to discuss your financial situation and concerns, please visit the Contact Us page of this site to set up an appointment. There is no charge or obligation for this initial meeting.

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2. Financial Inventory.

The inventory rigorously examines your present investment and financial position. We require that prospective clients provide their latest investment account statements for the meeting. Improving your portfolio is a key step in helping you achieve your financial objectives.

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3. Investor Inventory.

The inventory focuses on identifying client problem areas, quantifying the dollar figure associated with each problem and prioritizing your objectives. Putting you in position to achieve your financial objectives can only be done by first asking the right questions. These questions could delve into areas such as protecting what you can't afford to lose, accumulating wealth for specific goals, managing income taxes, planning for retirement or managing retirement income (if you are retired) from your accumulated assets.

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4. Decision Point.

At the conclusion of the inventory, the prospective client will make a decision on whether recommended financial advisory services are desired and complete a service agreement as appropriate.

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5. Gather Information.

A comprehensive questionnaire on other client assets, liabilities, insurance coverage, income sources, and expenses is given to the client to complete for the analysis.

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6. Gap Analysis.

Using the information provided and the objectives you set, we develop your personal financial and/or investment plan. We organize all your current financial information into one consolidated report - a snapshot of where you are today. We then examine your goals, assets and financial expectations to generate a gap analysis of what actions are needed to achieve your goals.

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7. Recommendations.

We then prepare an analysis that identifies the strengths and weaknesses of your financial situation and the specific actions and alternatives that can be taken to meet your goals. Your specific plan might include recommendations on managing cash flow, restructuring your portfolio, debt management, asset allocation, tax strategies, risk tolerance, insurance, savings plans or estate planning considerations. Details of our recommendations are provided to you in a comprehensive, written report.

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8. Investment Analysis.

For investment management services, a detailed analysis of your current investment portfolio and personal risk tolerance is required. The analysis focuses on comparing your current investment policy statement (if any) with actual holding percentages, measuring portfolio diversification and risk (volatility), examining positive or negative correlation of asset classes, assessing costs you are paying and determining where the portfolio falls on Markowitz's Efficient Frontier (Modern Portfolio Theory). A meeting is conducted to review the findings of the analysis and to make a determination if asset management services are recommended or desired by the client. All managed investment accounts receive an investment policy statement with objectives and allocation targets, access to institutional index and bond markets, implementation, ongoing consultative services, quarterly rebalancing and quarterly investor education seminars.

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9. Choosing Your Solutions.

Once we have proposed solutions to meet your goals, you can begin to take action. It is only through successful implementation of the recommendations that your goals can be realized. A task list is created to serve as a road map for the client to help implement their plan. For example, the task list might include preparation of wills and trusts, purchasing life, health or disability insurance, the creation of a family spending plan, or the purchase or sale of investments. We will provide implementation assistance until the end of the initial engagement (30 days after delivery of the written report).

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10. Implementation of Solutions.

Once we have proposed solutions to meet your goals, you can begin to take action. It is only through successful implementation of the recommendations that your goals can be realized. A task list is created to serve as a road map for the client to help implement their plan. For example, the task list might include preparation of wills and trusts, purchasing life, health or disability insurance, the creation of a family spending plan, or the purchase or sale of investments. We will provide implementation assistance until the end of the initial engagement (30 days after delivery of the written report).

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11. Relationship Options.

Clients have four choices for on-going services with us following the end of the initial engagement (usually 4-6 weeks):

• The client may retain us for on-going advice through a Good Until Changed or Canceled (GUCC) service agreement. This service provides the client with on-going advice on most financial planning issues or questions, provides periodic (annual, semi-annual or quarterly) written advisory deliverables on the services agreed upon and on-going client service meetings consistent with the assigned service level.

• The client may retain us to provide asset management services only.

• The client may retain us to provide on-going advice (GUCC) and asset management services.

• The client may retain us for hourly advice on simple or short term issues or assistance with implementing items remaining on the task list after the end of the initial engagement. The normal hourly fee is $150 per hour.

Request a copy of our Investment Advisor Disclosure Form ADV Part II.

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12. Annual Review.

Clients will meet with us at least annually to review their financial and personal situation so that we can re-examine goals and track progress toward reaching them. Any adjustments can be made or new recommendations implemented at this time.

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Ready to get started? Please Contact Us and schedule your initial consultation.