STEP 1 UNDERSTANDING YOU		STEP 2 DEVELOP A CUSTOMIZED STRATEGY		STEP 3 PERIODIC REVIEW WITH YOU
Who Are You? Identify Goals and Objectives Gather Personal Data Identify Issues or Gaps Balance Sheet/Net Worth Cash Flow Management Tax-Advantaged Investments Risk Management Strategies/Insurance Solutions Current Investments Education Planning Legacy Planning		Develop Investment Strategy Create Asset Allocation Plan Investment Vehicle Selection Manager/Fund Selection Life Insurance Plan Paycheck Replacement		Reaffirm Goals/Objectives Behavior Management Discuss Progress Toward Goals and Life Changes Review Investment Strategy Identify Gaps in Plan Rebalance Asset Allocation Plan, If Necessary Long-Range Planning

Asset allocation does not ensure a profit or protect against loss.  Rebalancing may have tax consequences, which you should discuss with your tax advisor.