Step 1: Initial Interview

  • Initial contact and conversation — in person or over phone

  • Prospect explains concerns and circumstances

  • Prospect asks questions

  • Explanation of services

  • If appropriate, proposal made to prospect outlining specific services recommended, their cost and benefits

Step 2: Agreement
  • Prospect and firm agree to work together

  • Terms of agreement established

  • Contract signed

  • Payment made

  • ADV Part II conveyed to prospect (a regulatory disclosure requirement)

  • Prospect becomes client

Step 3: Information Shared
  • The client completes a detailed questionnaire online

  • The firm organizes the inputs

  • Inputs presented to client for corrections, changes, and verification

  • Data ready for analysis

Step 4: Focus & Analysis
  • Summary description of overall financial situation provided to client

  • Concise preliminary evaluation completed

  • Key issues and strategic framework for financial plan established

  • In-depth analysis undertaken

Step 5: Plan Completed & Delivered
  • Plan constructed using several different lenses to view client situation, measure against sound principles of financial planning, and present concrete action steps to move client closer to achieving their goals

  • Plan provides comprehensive picture of client’s finances and likely trajectory into the future

  • Investment policy statements or life income strategies (depending on age and circumstances) presented along with asset allocation, security selection and mechanics of managing additions and distributions as well as optimizing and rebalancing allocation

  • Detailed specific "next steps" and a game plan for implementing recommendations --- a roadmap for the future

  • Plan delivered and thoroughly explained in person, via mail or online with extended phone conversation

Step 6: Follow Up
  • Appropriate products reviewed and selected

  • Tasks detailed in plan implemented

  • If appropriate, client’s financial assets managed in accordance with strategy and recommendations of plan by Scientific Advisors, LLC; investment advisers to Al Wroblewski, CFP®

  • As needed, relationships established with client’s other service providers (attorneys, accountants, etc.)

  • Regular meetings

  • Strong support mechanism provided to help client stay on track as they pursue their financial goals, handle day-to-day money issues and respond swiftly and intelligently to the unexpected
Single Focus Planning:
Sometimes a person or family needs help fast. Sometimes an urgent issue comes up that simply can’t wait. In these cases we can provide guidance so you can take well-informed, intelligent financial action.

For example, we can help you assess your financial options when a parent suddenly needs extra care. We can help you decide how to handle an unexpected, large financial windfall. We can help you figure out how best to start your impending retirement. We can help you handle any number of immediate, financial "crises" that show up on your doorstep.

We are prepared to provide counsel in these cases either on a project by project basis or at an hourly rate.