Nola Kulig
Kulig Financial Advisors
Longmeadow, MA, 01116 USA
413-565-2839
Add to Contacts

7 STEPS TO FINANCIAL SUCCESS

The 7 Steps to Financial Success is a win-win approach to financial planning for clients and advisors. It spells out step by step a simple-to-understand-and-implement approach to building a brighter financial future.

Step 1

Initial Inquiry/Community Outreach

ADVISORíS RESPONSIBILITIES: We provide a brief description of services, philosophies, methodology, and fee structure. You may be directed to our Web site to help you learn more.

CLIENT/CONSUMERíS RESPONSIBILITIES: If the advisor's services appear to fit your needs, she will schedule a Free Get Acquainted Meeting in person or on the telephone, and at the same time provide you with additional information to help you learn more.

Step 2

FREE Get Acquainted Meeting/Teleconference/Virtual Meeting

ADVISORíS RESPONSIBILITIES: We will meet with you free of charge for an initial session. Itís an opportunity to exchange information about your needs and objectives, to further discuss which services are right for you, and to provide you an estimate of the cost of our services. Remember, Kulig Financial Advisors does not accept commissions, and instead charges for services on an hourly, as-needed basis.

CLIENT/CONSUMERíS RESPONSIBILITIES: If you choose to use our services, we will define the engagementís scope together in writing. We will also provide a list of additional information that we will need to begin formulating your personal financial plan.

Step 3

Data Gathering and Initial Preparation

ADVISORíS RESPONSIBILITIES: After receiving your information, we will begin to review and develop your custom financial plan. We will prepare initial reports that will be discussed with you at your next meeting.

CLIENT/CONSUMERíS RESPONSIBILITIES: You will need to gather the requested data and then possibly complete a risk tolerance questionnaire. This information will need to be provided to us before your next meeting.

Step 4

Interactive Goal Setting

ADVISORíS RESPONSIBILITIES: Depending on your individual circumstances, this meeting may or may not be necessary. If it is, it can be in person or via teleconference. The advisor will work with you to further discuss and clarify the information you have provided thus far, and to refine your financial goals and objectives.

CLIENT/CONSUMERíS RESPONSIBILITIES: This is another opportunity for you to clarify your current situation, financial goals and objectives, and to discuss with your advisor any additional questions and concerns.

Step 5

Analysis and Plan Formulation

ADVISORíS RESPONSIBILITIES: We refine the information you have provided and study various plan scenarios. We conclude the research and analysis, and produce the final reports that include observations, assumptions, specific recommendations, and an action plan for your unique situation.

CLIENT/CONSUMERíS RESPONSIBILITIES: The ball is in your advisorís court. All you have to do at this point is await your next meeting with your advisor.

Step 6

Presentation of Your Financial Plan

ADVISORíS RESPONSIBILITIES: We review with you your personal financial plan and specific recommendations.

CLIENT/CONSUMERíS RESPONSIBILITIES: Congratulations! You now hold your personal blueprint for financial success designed with your financial goals in mind. You are empowered with specific recommendations to implement your financial plan. If you wish, you may employ your advisor further to assist you in carrying out that plan.

Step 7

Financial Checkups

ADVISORíS RESPONSIBILITIES: Periodic update meetings and reviews are essential to maintain good fiscal health. Your advisor can schedule these periodic meetings with you at whatever frequency you think appropriate.

CLIENT/CONSUMERíS RESPONSIBILITIES: Financial planning is an ongoing process, not a one-time event. Proper implementation of a financial plan and periodic professional reviews are crucial to reaching your financial goals. We urge prompt attention. Itís about your financial future

Best Garrett Planning Network Websites by Advisor Designs

Investment advisor representative of an investment advisory services offered through Garrett Investment Advisors, LLC, a fee-only SEC registered investment advisor. Tel: (910) FEE-ONLY. Kulig Financial Advisors may offer investment advisory services in the state of Massachusetts and other jurisdictions where exempted.