New Client Process

We follow a prescribed process for all new clients that includes two initial meetings, an implementation meeting to launch your financial plan, and finally, ongoing review meetings to update and modify your plan as needed.

first meeting

During the first meeting, the planner reviews the complete financial planning process with the client and returns any data that has been organized in the interim. The planner and client develop an investment plan, assemble a net worth summary, and review the retirement projection. The first meeting is typically two hours long and can be conducted in person or via web.

second meeting

The second meeting begins with a review of the client's questions that have developed since the close of the first meeting. Next, the planner and client will discuss insurance, dependent planning, and estate planning. Any business ownership interests that the client has will also be examined. By the end of the second meeting, all financial planning topics have been discussed in detail.


During the implementation meeting, the planner and client take the necessary steps to put the agreed upon wealth strategy into action. The client is guided through each decision that needs to be addressed, and the planner begins working with the client’s other advisors to implement those decisions. The meeting concludes by scheduling a quarterly follow-up review meeting.

fee-only advantage

Learn about the unique fee-only financial planning model that drives John E. Sestina and Company's success.

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