Getting Started with
Angel Legacy Advisors

A simple, thoughtful process — no pressure, no jargon, no guessing.

Step 1: Initial Meeting — Let’s Talk

This is where most journeys begin. Sometimes it’s a casual conversation—at a ball game, over lunch, or during a quick phone call. You’ll share a bit about your situation, I’ll explain how I work, and we’ll explore whether financial planning could be a good fit. If there’s interest, we’ll schedule a more focused second meeting: the All About You Session.

Step 2: All About You Session

In this session we will truly listen to your story—what’s going well, what keeps you up at night, and what you hope for the future. In this meeting, we’ll talk about your values, goals, and financial life.

If your spouse or partner is involved in your finances, it’s helpful (but not required) for them to join. Bring statements if you have them, but a general idea of your assets, accounts, income, and debt is enough to begin. Before our next session, I’ll ask for documents so we can build your initial plan.

Step 3: Initial Plan & Possibilities

You’ll receive a simple but holistic summary of your financial picture—what you own, where you’re headed, and what actions could make the biggest difference. We’ll cover:

What’s most important to you
Your goals and financial strengths
Investment mix and account review
Recommendations to move forward

I’ll also explain any planning fees or investment management costs, with full transparency.

If it’s a good fit, you’ll have the option to officially become a client—whether that day or after a few days of consideration.

Become a Client

When you’re ready, we’ll walk through next steps, sign paperwork, and begin building out the deeper elements of your financial plan.

The Angel Legacy Planning System (ALPS)

Once you become a client, we lead you through the Angel Legacy Planning System, which is a five-step process to guide you from where you are today toward financial clarity, wise stewardship, and a legacy that lasts.

Clarify Your Course

We start by understanding your values, goals, and current situation — digging into both the numbers and what matters most to you. This is the foundation for every decision ahead.

Common conversations include:

Reviewing account types and where your money is today
Family priorities, savings habits, income sources, and spending patterns
Discussing goals, risk tolerance, and attitudes toward debt and money
Identifying opportunities to consolidate and clean up old accounts

Plans fail for lack of counsel, but with many advisers they succeed. – Proverbs 15:22

Secure Your Base

We review your cash flow, reserves, and retirement readiness to ensure you have the stability to take the next steps with confidence.

Common conversations include:

Retirement projections and “Can I retire?” scenario planning
Social Security timing strategies for you and your spouse
Saving for major goals such as home purchases or children’s education
Making sure you have the right amount of liquid, accessible cash and its earning the best available yield

The plans of the diligent lead to profit as surely as haste leads to poverty. – Proverbs 21:5

Align Your Investments

Your portfolio should be a faithful servant, working toward the life you envision. We align investments with your needs, risk tolerance, and goals.

Common conversations include:

Reducing fees and maximizing return based on your risk profile
Explaining the Angel Legacy investment philosophy and how portfolios adjust over time
Diversification strategies to prepare for market uncertainty
Coordinating all investment accounts, including old 401(k)s and IRAs

Give portions to seven, yes to eight, for you do not know what disaster may come upon the land. – Ecclesiastes 11:2

Optimize for Impact

We look ahead to minimize lifetime taxes, create giving strategies when appropriate, and plan withdrawals that sustain your lifestyle while keeping more of what you’ve earned.

Common conversations include:

Choosing the most tax-efficient accounts for growing or drawing down in retirement
Required Minimum Distribution (RMD) planning
Roth conversion modeling to take advantage of tax-smart opportunities
Tax-loss and tax-gain harvesting in investment accounts
Charitable giving strategies: Qualified Charitable Distributions, donor-advised funds, gifting appreciated stock

Render therefore unto Caesar the things that are Caesar’s; and unto God the things that are God’s. – Matthew 22:21

Protect What Matters

We review insurance, estate planning, and account titling to guard your family, assets, and legacy from life’s uncertainties. This is where we “try to break your plan” to ensure it’s resilient in every season of life.

Common conversations include:

Risk management: ensuring adequate insurance coverages without overpaying
Planning for healthcare choices in retirement and long-term care needs
Preparing for early death, disability, or living far longer than expected
Reviewing wills, trusts, and beneficiary designations
Organizing important documents and preparing for family conversations

Wisdom is a shelter as money is a shelter, but the advantage of knowledge is this: Wisdom preserves those who have it. Ecclesiastes 7:11-12

In practical terms, what do we do for clients?

Here’s a full list of our services and topics we might be able to assist you with.

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