Working Together: Step by Step

STEP 1: Let's Chat

Schedule a free 15-minute phone appointment to see if Aum Financial Solutions is the right fit for you. We'll briefly review your finances, I'll ask key questions to understand your planning needs, and answer any initial questions you may have.

If we’re both comfortable moving forward, we’ll begin a comprehensive financial plan at no initial cost.

The next step after that is a 90-minute Fact Finder meeting.

STEP 2: Fact Finder Meeting

Before we begin the fact-finding process, you’ll receive a Planner-Client engagement agreement along with privacy and confidentiality documents.

The Fact Finder gathers detailed financial and personal information that forms the foundation of your plan. Key documents may include:

Financial statements (balance sheet, income statement, cash flow)
Tax returns
Wills and Powers of Attorney
Shareholder agreements (if applicable)
Trust agreements

By collecting both hard data and personal insights, we gain a comprehensive understanding of your goals, preferences, and expectations—ensuring a truly personalized plan.

STEP 3: Build A Plan

Following the Fact Finder meeting, we’ll collaborate to create a personalized financial plan tailored to your goals, needs, and the scope of our advisory relationship.

This comprehensive plan will serve as your financial roadmap—helping you understand your current situation, prioritize your goals, and take actionable steps toward improvement. Given the depth of the plan, we’ll break it down into manageable parts, starting with what matters most.

STEP 4: Annual Review

Once your plan is in place, our journey together truly begins. We'll meet at least once a year—virtually or in person—to review your progress and make any necessary adjustments.

Financial planning is an ongoing process that must adapt to both life changes and external factors such as market conditions, inflation, interest rates, and government policies. Flexibility and regular reviews are essential to keeping your plan on track.

In building and maintaining your plan, I consider not only your goals and preferences, but also economic trends, tax laws, family dynamics, business interests, and other relevant factors.

You need to reach out immediately if you experience major life changes—such as a birth, death, marriage, job change, serious illness, divorce, retirement, or inheritance—so we can adjust your plans accordingly.