An initial meeting is necessary to understand your objectives and your financial facts. After reviewing these materials, we will meet again to present our recommendations supported by exhibits.  We will adjust our recommendations based on the feedback from you, and will then send a brief “action plan” report detailing the steps we both have agreed that you should take to achieve your objectives.  We will be happy to discuss our recommendations with your advisors as you proceed to implement your action plan.  To the extent required, whether quarterly or annually, we will monitor your progress, making adjustments when needed.