A no-cost, no-obligation conversation about your goals.

Yes. The initial consultation is complimentary and carries no obligation. It’s a discovery conversation - a chance for you to learn how we work and for us to understand your situation. You won’t be charged anything, and you won’t be pressured to become a client. If we’re not the right fit for each other, we’ll tell you honestly and point you toward resources that serve you better.

We spend the first part listening - about your goals, your family, your accounts, and what prompted you to reach out. Then we explain how Meridian works: our fee-only structure, our fiduciary duty, and how the ongoing planning relationship is set up. We answer your questions in plain language. The goal is for you to leave with a clearer understanding of your financial picture and a genuine sense of whether we’re a good match - not to sign paperwork on the spot.

Nothing is required. That said, if you’d like the conversation to be more specific, recent account statements and your most recent tax return are the two most useful things to have on hand. They help us understand your accounts, your tax situation, and where planning opportunities might exist. If you’d rather just talk first and share documents later, that’s completely fine - we meet you where you are.

The intro consultation is about understanding your situation and explaining how we work - not delivering specific investment recommendations. As a fiduciary, any advice we give is grounded in a full understanding of your goals, accounts, and circumstances, which takes more than one meeting to build. We can’t and won’t promise particular returns; what we offer is a disciplined, evidence-based process. If you decide to engage us, detailed recommendations come during the formal planning phase.

The next step is a deeper discovery meeting where we review your accounts, tax returns, and financial documents in detail. From there we build your financial plan and, if applicable, an investment strategy aligned to your goals and risk tolerance. We formalize the relationship with a written advisory agreement and our Form ADV disclosures, so you know exactly what you’re paying and what you’re getting before anything begins.

Many of our clients came to us for a second opinion and stayed because they valued the fee-only, fiduciary difference. A complimentary consultation is a low-stakes way to compare. We’re happy to review how your current portfolio is constructed, what you’re paying in fund and advisory fees, and whether your plan still fits your goals. If your current advisor is serving you well, we’ll say so - there’s no downside to a second set of eyes.