As an example:
Several years ago, Dr. Robert Baker*, a compassionate doctor retired and moved out west to enjoy a little more sunshine. He and his wife had carefully planned for their "golden years". They felt that they had worked hard and put enough money away to take care of their income needs for the rest of their lives.

After retiring he sought the advice of a local stock broker to secure the proper investment portfolio to carry him through the next phase of his life. It was shortly after that when things began to unravel for them. The market turned down for a period of time and Dr. Baker was caught with an overweight of the wrong kind of stocks in his portfolio. He subsequently lost 70% of his assets in short order.

He was then referred us by his attorney. After reviewing his remaining resources and putting together a written plan for him, it was determined that if he went back to work for two years, he should be able to safely retire – again.

While this is a sad story that has been repeated by countless retirees during the last few years, many of the Baker's troubles could have been avoided with proper planning.

After more than 25 years experience in helping retired people; Hillspring Financial has developed an effective six-step process to help meet and overcome these type of concerns and to start putting the retirement puzzle pieces into place.
 

1. Introductory Meeting
   The introductory meeting is to determine whether we feel we can help you and for you to determine whether you will be comfortable working with us. During our initial meeting we will listen to your concerns, your needs, your fears and objectives. If we feel we can help you we will establish a time to move to the next step – the Discovery Session.
    
2. Discovery Session
   At this meeting we’ll work with you to develop an in-depth picture of your financial position. We will dig deeper into your dreams, your goals and objectives, and your tolerance for risk.
    
3. Plan Proposal Presentation
   Once we clearly understand your financial objectives and have established your risk/return profile, we can develop and present a customized Investment Proposal and Investment Policy Statement (IPS) tailored to your current financial situation.
    
4. Implementation Meeting
   At this meeting we will answer any questions you may have about our approach and recommended Investment Proposal. Should you choose to work with us, we’ll sign all of the necessary documents to establish and fund your investment account.
    
5. 45-Day Review
   After we’ve established your investment account, we’ll meet again to discuss your investment strategy, review the materials you’ll receive, and answer any of your questions.
    
6. Quarterly Reviews
   Each quarter, we’ll deliver a comprehensive Quarterly Performance Review, showing you exactly where you stand in relation to your goals and objectives. When, and if, your financial circumstances change, we’ll be ready to suggest changes to your investment strategy. 

As your Investment Advisor, we believe that maintaining regular contact is essential to keeping you well informed about your investments. We’re always available to meet with you individually, and we provide an ongoing communication program that offers you far more than a monthly statement.

Not only do you get constant access to account information, but you receive clear, concise, and timely reporting of everything you want to know about your accounts and the investment markets.

Monthly Custodial Statements
Your assets are held by a third-party custodian, who will provide you with monthly statements to confirm the holdings, values, and transactions in your accounts. If you have a taxable account, the custodian will also provide you with taxable capital gain/loss information to simplify your tax reporting, either as part of the monthly statements or via a separate year-end tax report.

Online Resource Center
Our Online Resource Center was designed to enhance the information flow between you and our firm. By providing you with instant secure online access to your investment portfolio, as well as investment research and commentary, we can work more closely with you to monitor the progress being made toward reaching your investment goals.