Selecting your financial advisor is among the most important — and challenging — decisions you face when forming your wealth strategy. That’s why we provide you with an extraordinary, upfront educational process, designed to give you the information you need to assess whether a relationship with FRG makes sense for you. When you choose FRG, we want you to have chosen with confidence:

Financial Education

Most of our prospective clients take our nine-hour course Financial Strategies For Successful Retirement® (FSSR), offered at Montgomery College. This comprehensive, low-cost course is taught throughout the year by Joseph F. Kilner, CPA, FRG’s managing partner and investment advisor. For details on the content and upcoming course schedules/locations, click here. Although highly recommended, attendance at the FSSR classes is not a requirement to become a client.

Initial Meeting

Prior to our first meeting, we ask you to provide your current investment statements so we can prepare a detailed written portfolio analysis. You also can provide us with any critical financial information that may offer additional insights to your overall financial picture. At your meeting, we’ll help you understand your current situation and provide recommendations on where improvements might be made. If you have attended the FSSR course, we’ll apply what you’ve learned directly to your current situation. There is no cost for this initial analysis and exploration.

Risk Assessment and Investment Policy Meeting

If you and we agree that FRG can add value to your wealth strategy, we are ready to establish the foundation upon which your unique investment strategy is built: your risk assessment.

Risk analysis helps us discover and confidently decide the appropriate level of market risk required to achieve your financial goals. We’ll “crunch your numbers” and prepare a Monte Carlo Retirement Planning Analysis, and we’ll give you on-line access to “Finametrica,” an additional risk-assessment tool. Once we’ve achieved an understanding of your risk profile, we’ll use it to develop a written Investment Policy Statement to serve as our mutual agreement on how to manage your investments should you choose to become a client.