A clear process from the first conversation forward.

A strong advisory relationship begins with understanding where you are, what matters most, and what needs to be protected.

Introductory Conversation

We begin with a conversation about your goals, current financial picture, investment experience, and what you are looking for in an advisory relationship.

This conversation is informational only and does not create an advisory relationship.

Discovery and Review

If there is a mutual fit, MCM gathers relevant information regarding your financial situation, objectives, risk tolerance, time horizon, liquidity needs, and any reasonable restrictions you wish to provide in writing.

Advisory Recommendation

MCM outlines the proposed advisory relationship, including services, fees, account structure, investment approach, and next steps.

Agreement and Onboarding

Before services begin, clients review and execute the advisory agreement and receive applicable disclosure documents, including Form ADV Part 2A and Part 2B.

Portfolio Implementation

For discretionary relationships, MCM manages the account consistent with the client’s objectives, risk tolerance, written restrictions, and advisory agreement. Discretionary authority must be granted in writing.

Ongoing Review

Client accounts are reviewed at least quarterly and may also be reviewed when there are material market developments, client updates, contributions, withdrawals, or changes in circumstances.

Important Note

Clients are responsible for promptly notifying MCM of material changes to their financial circumstances, objectives, risk tolerance, or restrictions. Your advisory agreement already places this responsibility on the client