At Godsey & Gibb Associates--Investment Counsel, we feel that having a road map in place to help guide you throughout the financial planning process is critical. We will prepare you a personal comprehensive financial plan after consideration of your goals and your present, and forecasted, financial situation. Your plan will include a statement of your short- and long-term personal financial objectives, as well as an analysis of your insurance coverage and a statement of financial condition. Our approach to the personal financial planning process will include, but is not limited to, the following steps:

• We will assist you to define short and long-range goals, and begin gathering information about your family situation, and major anticipated financial obligations.



• In addition to the quantitative data requested in our financial planning questionnaire, we will require copies of all pertinent supporting documents such as brokerage, 401(k) and insurance statements.



• After the information has been received, we will organize and review the data. We will analyze the quantitative information in terms of cash flow, net worth, risk management and eventual retirement.



• Based on our analysis of the data, we will outline a strategy, or course of action, for you to consider which will meet your immediate and long-term goals, and objectives, and to mitigate any problems we uncover.



• At the conclusion of the engagement we will prepare, and discuss with you, a report that includes our recommendations and projections. We are available to assist you with the implementation of the actions upon which we agree. The nature and extent of our services will be established at that time.

  Responsibility for financial planning decisions is yours. We will aid you in the decision making process, suggest alternative recommendations to help you achieve your objectives, and assist you to determine how well each alternative meets your financial planning objectives. We will assist you, as a separate engagement, in implementing the strategies that have been agreed upon. Accordingly, we will be available on an ongoing basis to answer questions, to assist you, to take necessary actions and to make recommendations regarding financial matters. Your plan should be formally reviewed on a regular basis, and as needed, should any changes take place relative to your personal finances. These update sessions are vital so that adjustments can be made for changes in your personal circumstances, overall economic conditions, and future tax law revisions.