Our Process
A clear path from first conversation to ongoing plan.
We offer clarity without complexity. Discover how Spinnaker partners with you, beginning with a welcoming, commitment-free review.
The Journey
An ongoing process, not a one-time event.
01
Discovery Meeting
Our first conversation is all about mutual fit. We'll share goals, resources, and values to ensure we are aligned for your future.
What to bring:
- Recent account statements
- Tax returns (last 2 years)
- List of financial goals
- Insurance policies
02
Planning Meeting
We review your documents to build a preliminary plan. Together, we explore scenarios, choose strategies, and set clear action items.
Next steps:
- Review scenario projections
- Finalize strategy selection
- Define action items
- Establish ongoing relationship
01
02
03
Complimentary Consultation
Discover
Analyze
A no-cost, no-obligation conversation to get to know you, your goals, your circumstances, and answer any questions you have.
We collect the information needed for a complete financial picture — accounts, income, goals, and the details of your situation.
We evaluate your investments, cash flow, taxes, retirement readiness, risk management, and estate planning considerations.
04
05
06
Plan
Implement
Monitor & Adjust
We develop a coordinated financial strategy, present it in plain language, and walk through every recommendation with you.
Once you approve, we help put the recommendations into action — opening accounts, executing trades, and coordinating with other professionals.
We review the plan on an ongoing basis and adjust as your life, the markets, your tax situation, or your goals change.
STAYING ON COURSE
A plan only works if we keep checking it against reality.
How Often We Meet
Most clients meet with us twice a year for a full plan review, with additional check-ins whenever something changes — a new job, a home purchase, a market swing that has you asking questions. We'd rather hear from you than have you wonder.
What It Costs to Meet
Every meeting with us is complimentary. We don’t bill by the hour or charge separate planning fees. Our compensation comes from a transparent, asset‑based advisory fee (AUM), so we’re paid a percentage of the investments we manage, which means you will never recieve any aditional charges.
How We Meet
In person at our Idaho Falls office, over video, or by phone — whatever fits your schedule and how you like to communicate. Between meetings, you can always reach us by phone or email.