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>> My name is Christopher Vasallo and
I'm a senior financial planner here

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in Center City with RTD Financial Advisors.

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As a senior financial planner I basically have
both the benefit and the luxury to me of getting

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to work with a lot of individuals and families

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and helping them achieve
some of their life goals.

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So, with us, we take what we like to
think is quite a different approach

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and before we ever talk about a client's money
or financial statements or before we ever ask

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for tax returns and data and things
of the like, we spend a great deal

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of time in what we call discovery.

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Which is essentially just
learning about who our client is,

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who they are as a person, first and foremost.

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But additionally, a lot of things about
their money values and their money histories,

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you have to know what's going on in their
lives and how they think about money.

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So we spend a great deal of time doing
that up front in our first meeting.

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Our second meeting in the initial process,
we spend a fair amount of time going

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through a education around our investment
philosophy and how it is we will be managing

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and investing their portfolio
and their life savings basically.

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The third meeting, somewhere
in there we've started

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to collect all the data, all the financial data.

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Their tax returns, their investment statements,

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their social security statements,
things like that.

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And in the third meeting we present to
theme what we have compiled basically

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in financial planning projections of running
a full financial planning projection.

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We present that to them in a preliminary
fashion, making sure that we've accounted

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for everything, we understand
everything correctly,

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we have the full picture of their situation.

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And then our fourth and final
meeting of the on-boarding process

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for a new client is what we would call our
observations, recommendations, and action plan.