Just give us a call and let us know you’re interested in getting the ball rolling.

In preparation for our first meeting, we’ll begin with a brief telephone interview aimed at understanding your current situation and goals. At the first meeting, which usually lasts an hour or two, we will review your Confidential Client Questionnaire, go over our investment approach, and begin to map out how our investment philosophy could best benefit you. This meeting is an opportunity for you to ask specific questions about our process and the firm. At this point, if you want to proceed with the Investment Plan or Comprehensive Financial Plan, we’ll ask you to provide information on your goals, your current asset allocation, and any stock option shares or grants you may possess.

At the second meeting, we will review your Investment Plan. We’ll spend two-to-three hours discussing your net worth, your cash flow, your long-term investment picture, and the historical performance of the markets. We will then design an investment portfolio based on your short- and long-term goals and your tolerance for risk. We will also provide a written summary of conclusions that incorporates any changes we make in the second meeting, as well as an asset allocation.

If you like our investment approach, we will then discuss Investment Management services. Our IM services allow our firm to take over the responsibility of implementing and monitoring your investment portfolio. We use mutual funds that meet our selection criteria, including low-cost funds, institutional funds, and index funds (in certain asset classes only), as appropriate. We will provide you with an investment policy statement that specifies the asset allocation that you have chosen and allow you the opportunity to fine-tune the plan before implementation.

After initial implementation, we will be available for telephone or e-mail questions and conversations. You will receive quarterly performance reports, and we will meet at least once a year to review your current goals, objectives, and dreams.

The SEC requires Registered Investment Advisors to provide the Form ADV, Part II to all clients. This form gives detailed information regarding our firm, its principals and our business. Clients may request a copy by calling us at (415) 925-3400 or by email. Prospective clients who meet our minimums may request a copy of Form ADV, Part II after an initial discussion with one of our planner/investment managers.

In addition, you may view our Form ADV, Part I online by searching at http://www.adviserinfo.sec.gov/IAPD/Content/Search/iapd_OrgSearch.aspx

Back to Top

• Our dual expertise in both tax matters and financial planning.
• We provide the discipline to maintain your investment strategy.
• Provides discipline. Stocks stir emotions, but we can keep you focused on your reasons for investing in a jittery market – namely that your assets must last for the remainder of your lifetime. Discipline also means low turnover. That is to say that trades in your portfolio will generally occur for the purpose of rebalancing, tax loss harvesting, if there’s been a change in your goals, or a change in your need for current income.
• Changes to your personal financial situation can be quickly incorporated into your plan. We serve as a resource for ideas, information, and questions.
• Our educational process includes a risk coaching questionnaire, a review of historical market returns and a discussion of the importance of diversification.
• We constantly monitor your investments and the fund managers behind them, making changes to the investments as needed. We also help you choose the funds in your 401(k) plan.
• Our expertise in tax matters helps us to choose the right tax-managed funds for you. And we’ll monitor your stock-option vesting and expiration dates to maximize your total net worth.
• You’ll have access to lower cost mutual funds, load-waived funds and institutional class funds that are not available to retail investors.
• The size of our firm allows us to provide personalized service. You will interact directly with the owner of the firm, Joyce L. Franklin.