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1<meta name="next-size-adjust" content=""/><meta name="theme-color" content="#ffffff"/><title>How We Work: The Complete Planning and Review Process | Maryland Financial Advocates</title><meta name="description" content="MFA&#x27;s CPR process, with prices attached: a complimentary intro call, a $500 planning engagement with a written plan and tax analysis, then hire us ongoing or take the plan and run it yourself."/><link rel="author" href="https://marylandfinancialadvocates.com/about/"/><meta name="author" content="Colin Meeks, CFP®"/><link rel="manifest" href="/site.webmanifest"/><meta name="creator" content="@colinmeeksCFP"/><meta name="publisher" content="Maryland Financial Advocates"/><meta name="robots" content="index, follow"/><meta name="googlebot" content="index, follow, max-video-preview:-1, max-image-preview:large, max-snippet:-1"/><link rel="canonical" href="https://marylandfinancialadvocates.com/our-process/"/><meta property="og:title" content="How We Work: The Complete Planning and Review Process"/><meta property="og:description" content="MFA&#x27;s CPR process, with prices attached: a complimentary intro call, a $500 planning engagement with a written plan and tax analysis, then hire us ongoing or take the plan and run it yourself."/><meta property="og:url" content="https://marylandfinancialadvocates.com/our-process/"/><meta property="og:image" content="https://marylandfinancialadvocates.com/og-default.jpg"/><meta property="og:image:width" content="1200"/><meta property="og:image:height" content="630"/><meta property="og:image:alt" content="How We Work: The Complete Planning and Review Process"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="How We Work: The Complete Planning and Review Process"/><meta name="twitter:description" content="MFA&#x27;s CPR process, with prices attached: a complimentary intro call, a $500 planning engagement with a written plan and tax analysis, then hire us ongoing or take the plan and run it yourself."/><meta name="twitter:image" content="https://marylandfinancialadvocates.com/og-default.jpg"/><link rel="icon" href="/icon.svg"/><link rel="apple-touch-icon" href="/apple-icon.svg"/>
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1<script type="application/ld+json">{"@context":"https://schema.org","@type":"HowTo","name":"Complete Planning and Review (CPR): how Maryland Financial Advocates works","description":"The three-step planning process at Maryland Financial Advocates, with the cost of each step: a complimentary introductory call, a $500 planning engagement, then a decision to hire the firm ongoing or take the written plan and implement it yourself.","url":"https://marylandfinancialadvocates.com/our-process/","estimatedCost":{"@type":"MonetaryAmount","currency":"USD","value":"500"},"provider":{"@id":"https://marylandfinancialadvocates.com/#organization"},"step":[{"@type":"HowToStep","position":1,"name":"Introductions ($0 · Complimentary)","url":"https://marylandfinancialadvocates.com/our-process/#step-1","text":"A phone call, usually 15 to 30 minutes. The goal is to get to know you, your situation, and what you're looking for in a financial planning relationship. We'll tell you plainly how we work and what it costs, so you leave the call knowing whether we're the right fit. No slides, no pressure. If we're not the right shop for you, we'll say so and point you somewhere useful."},{"@type":"HowToStep","position":2,"name":"Planning and collaboration ($500 · One-time cost)","url":"https://marylandfinancialadvocates.com/our-process/#step-2","text":"Two meetings to gather information, dig into your goals, and build a plan you can run yourself or hire us to help with. We look at your tax return, your investment statements, your insurance, and your legal documents, the whole picture, and then get specific. You'll get: A net worth statement and investment allocation summary; A written 1-2 page plan with a timeline and tasks to complete; A 3-4 page personalized tax planning analysis and report; Strategies specific to your situation: investments, income planning, estate planning coordination, special needs planning, retirement planning; A full breakdown of what it would cost to hire us as your advisor."},{"@type":"HowToStep","position":3,"name":"Hire us, or take the plan and run (Your decision)","url":"https://marylandfinancialadvocates.com/our-process/#step-3","text":"From here there are two good outcomes. You hire us as your ongoing advisor: we implement the plan, manage the investments, handle the insurance work, and keep you on our client service calendar with regular reviews. Fees for that are on the pricing page, published like everything else. Or the plan shows you can handle things on your own, in which case you leave with a checklist of exactly what to do and our genuine best wishes. No pressure, no hard feelings. It happens regularly, and we think it's proof the process is honest."}]}</script>
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1<script type="application/ld+json">{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://marylandfinancialadvocates.com/"},{"@type":"ListItem","position":2,"name":"How We Work","item":"https://marylandfinancialadvocates.com/our-process/"}]}</script>
1<nav aria-label="Breadcrumb" class="enter mb-6"><ol class="flex flex-wrap items-center gap-1.5 font-mono text-xs tracking-[0.08em] uppercase text-white/70"><li class="flex items-center gap-1.5"><a class="focus-ring rounded-sm transition-colors hover:text-white" href="/">Home</a><span aria-hidden="true">/</span></li><li class="flex items-center gap-1.5"><span aria-current="page" class="text-white">How We Work</span></li></ol></nav><p style="--enter-delay:80ms" class="enter text-accent font-mono text-xs font-medium tracking-[0.16em] uppercase">Complete Planning and Review</p><h1 style="--enter-delay:160ms" class="enter mt-5 max-w-4xl font-serif text-4xl leading-[1.06] font-semibold tracking-tight text-white sm:text-5xl lg:text-6xl">A process with clear pricing</h1><div style="--enter-delay:260ms" class="enter mt-6 max-w-4xl space-y-4 text-base leading-relaxed text-white/85 sm:text-lg"><p>Complete Planning and Review (CPR) is the foundation of every client relationship here. It focuses on your family&#x27;s goals, priorities, and finances, and it keeps us accountable, because you&#x27;ll know at every step exactly what happens next and exactly what it costs.</p><p>Whether you&#x27;re caring for a child with special needs, helping an aging parent, or working toward a retirement you can actually relax into, the process is the same three steps.</p></div><div style="--enter-delay:360ms" class="enter mt-8 flex flex-wrap items-center gap-4"><a class="focus-ring inline-flex items-center justify-center gap-2 rounded-full text-xs font-semibold uppercase tracking-[0.12em] transition-colors bg-white px-6 py-3.5 text-navy hover:bg-accent-soft " href="/schedule/">Start With the Complimentary Call</a></div></div></div></section><div style="backface-visibility:hidden;will-change:opacity, transform;opacity:0;transform:translateY(12px)"><section class="border-border relative border-b p-6 sm:p-10 lg:p-14 xl:px-20 2xl:px-32"><p class="text-muted-foreground text-sm leading-relaxed sm:text-base">Pick a step to see what happens in it.</p><div role="tablist" aria-label="The three steps of the CPR process" class="mt-6 grid grid-cols-1 gap-4 sm:mt-8 md:grid-cols-3 md:gap-5"><button type="button" role="tab" id="_R_jav5ulb_-tab-0" aria-selected="true" aria-controls="_R_jav5ulb_-panel-0" tabindex="0" class="focus-ring flex h-full cursor-pointer flex-col rounded-2xl border p-6 text-left transition-colors duration-300 sm:p-7 border-primary bg-primary-soft"><span class="flex items-center justify-between gap-3"><span aria-hidden="true" class="inline-flex h-9 w-9 shrink-0 items-center justify-center rounded-full font-mono text-xs font-semibold transition-colors duration-300 bg-primary text-white">01</span><span class="text-accent-strong font-mono text-[0.625rem] font-medium tracking-[0.16em] uppercase">Now viewing</span></span><span class="text-foreground mt-5 font-serif text-2xl font-semibold tracking-tight sm:text-3xl">Introductions</span><span class="text-primary mt-2 text-base font-semibold">$0 · Complimentary</span><span class="text-muted-foreground mt-3 text-sm leading-relaxed">A phone call, 15 to 30 minutes. Tell us what&#x27;s going on and we&#x27;ll tell you how we work and what it costs.</span></button><button type="button" role="tab" id="_R_jav5ulb_-tab-1" aria-selected="false" aria-controls="_R_jav5ulb_-panel-1" tabindex="-1" class="focus-ring flex h-full cursor-pointer flex-col rounded-2xl border p-6 text-left transition-colors duration-300 sm:p-7 border-border bg-card hover:border-primary/40 hover:bg-muted"><span class="flex items-center justify-between gap-3"><span aria-hidden="true" class="inline-flex h-9 w-9 shrink-0 items-center justify-center rounded-full font-mono text-xs font-semibold transition-colors duration-300 bg-muted text-muted-foreground">02</span></span><span class="text-foreground mt-5 font-serif text-2xl font-semibold tracking-tight sm:text-3xl">Planning and collaboration</span><span class="text-primary mt-2 text-base font-semibold">$500 · One-time cost</span><span class="text-muted-foreground mt-3 text-sm leading-relaxed">Two meetings and a written plan. We read your paperwork first, then get specific.</span></button><button type="button" role="tab" id="_R_jav5ulb_-tab-2" aria-selected="false" aria-controls="_R_jav5ulb_-panel-2" tabindex="-1" class="focus-ring flex h-full cursor-pointer flex-col rounded-2xl border p-6 text-left transition-colors duration-300 sm:p-7 border-border bg-card hover:border-primary/40 hover:bg-muted"><span class="flex items-center justify-between gap-3"><span aria-hidden="true" class="inline-flex h-9 w-9 shrink-0 items-center justify-center rounded-full font-mono text-xs font-semibold transition-colors duration-300 bg-muted text-muted-foreground">03</span></span><span class="text-foreground mt-5 font-serif text-2xl font-semibold tracking-tight sm:text-3xl">Hire us, or take the plan and run</span><span class="text-primary mt-2 text-base font-semibold">Your decision</span><span class="text-muted-foreground mt-3 text-sm leading-relaxed">Hire us to run the plan with you, or take the checklist and do it yourself. Plenty of people choose the second one.</span></button></div><div id="_R_jav5ulb_-panel-0" role="tabpanel" aria-labelledby="_R_jav5ulb_-tab-0" tabindex="0" class="focus-ring border-border bg-muted mt-5 rounded-2xl border p-6 sm:p-8 lg:p-10"><div class="grid grid-cols-1 gap-8 lg:grid-cols-[minmax(0,1fr)_minmax(0,2fr)] lg:gap-14"><div><p class="text-accent-strong font-mono text-xs font-medium tracking-[0.16em] uppercase">STEP ONE</p><h2 class="text-foreground mt-4 font-serif text-2xl font-semibold tracking-tight sm:text-3xl">Introductions</h2><p class="text-primary mt-3 text-base font-semibold">$0 · Complimentary</p></div><div><div class="text-muted-foreground space-y-4 text-base leading-relaxed sm:text-lg"><p>A phone call, usually 15 to 30 minutes. The goal is to get to know y
1ou, your situation, and what you&#x27;re looking for in a financial planning relationship. We&#x27;ll tell you plainly how we work and what it costs, so you leave the call knowing whether we&#x27;re the right fit.</p><p>No slides, no pressure. If we&#x27;re not the right shop for you, we&#x27;ll say so and point you somewhere useful.</p></div></div></div></div><div id="_R_jav5ulb_-panel-1" role="tabpanel" aria-labelledby="_R_jav5ulb_-tab-1" tabindex="0" hidden="" class="focus-ring border-border bg-muted mt-5 rounded-2xl border p-6 sm:p-8 lg:p-10"><div class="grid grid-cols-1 gap-8 lg:grid-cols-[minmax(0,1fr)_minmax(0,2fr)] lg:gap-14"><div><p class="text-accent-strong font-mono text-xs font-medium tracking-[0.16em] uppercase">STEP TWO</p><h2 class="text-foreground mt-4 font-serif text-2xl font-semibold tracking-tight sm:text-3xl">Planning and collaboration</h2><p class="text-primary mt-3 text-base font-semibold">$500 · One-time cost</p></div><div><div class="text-muted-foreground space-y-4 text-base leading-relaxed sm:text-lg"><p>Two meetings to gather information, dig into your goals, and build a plan you can run yourself or hire us to help with. We look at your tax return, your investment statements, your insurance, and your legal documents, the whole picture, and then get specific.</p></div><div class="border-border bg-background mt-8 rounded-2xl border p-6 sm:p-7"><p class="text-foreground text-sm font-semibold tracking-[0.08em] uppercase">You&#x27;ll get</p><ul class="mt-4 space-y-2.5"><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed sm:text-base"><span aria-hidden="true" class="bg-accent mt-2 h-1.5 w-1.5 shrink-0 rounded-full"></span>A net worth statement and investment allocation summary</li><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed sm:text-base"><span aria-hidden="true" class="bg-accent mt-2 h-1.5 w-1.5 shrink-0 rounded-full"></span>A written 1-2 page plan with a timeline and tasks to complete</li><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed sm:text-base"><span aria-hidden="true" class="bg-accent mt-2 h-1.5 w-1.5 shrink-0 rounded-full"></span>A 3-4 page personalized tax planning analysis and report</li><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed sm:text-base"><span aria-hidden="true" class="bg-accent mt-2 h-1.5 w-1.5 shrink-0 rounded-full"></span>Strategies specific to your situation: investments, income planning, estate planning coordination, special needs planning, retirement planning</li><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed sm:text-base"><span aria-hidden="true" class="bg-accent mt-2 h-1.5 w-1.5 shrink-0 rounded-full"></span>A full breakdown of what it would cost to hire us as your advisor</li></ul></div><p class="text-foreground mt-6 text-sm leading-relaxed font-medium">If we get into this step and discover we can&#x27;t help you, or we&#x27;re not a good fit, there is no cost to you.</p></div></div></div><div id="_R_jav5ulb_-panel-2" role="tabpanel" aria-labelledby="_R_jav5ulb_-tab-2" tabindex="0" hidden="" class="focus-ring border-border bg-muted mt-5 rounded-2xl border p-6 sm:p-8 lg:p-10"><div class="grid grid-cols-1 gap-8 lg:grid-cols-[minmax(0,1fr)_minmax(0,2fr)] lg:gap-14"><div><p class="text-accent-strong font-mono text-xs font-medium tracking-[0.16em] uppercase">STEP THREE</p><h2 class="text-foreground mt-4 font-serif text-2xl font-semibold tracking-tight sm:text-3xl">Hire us, or take the plan and run</h2><p class="text-primary mt-3 text-base font-semibold">Your decision</p></div><div><div class="text-muted-foreground space-y-4 text-base leading-relaxed sm:text-lg"><p>From here there are two good outcomes. You hire us as your ongoing advisor: we implement the plan, manage the investments, handle the insurance work, and keep you on our client service calendar with regular reviews. Fees for that are on the pricing page, published like everything else.</p><p>Or the plan shows you can handle things on your own, in which case you leave with a checklist of exactly what to do and our genuine best wishes. No pressure, no hard feelings. It happens regularly, and we think it&#x27;s proof the process is honest.</p></div></div></div></div></section></div><div style="backface-visibility:hidden;will-change:opacity, transform;opacity:0;transform:translateY(12px)"><section class="border-border relative border-b p-6 sm:p-10 lg:p-14 xl:px-20 2xl:px-32"><div class="grid grid-cols-1 gap-x-12 gap-y-6 lg:grid-cols-[minmax(0,1.15fr)_minmax(0,1fr)] lg:items-start xl:gap-x-20"><div><p class="text-accent-strong font-mono text-xs font-medium tracking-[0.16em] uppercase">If you hire us</p><h2 class="text-foreground mt-4 max-w-3xl font-serif text-3xl leading-[1.1] font-semibold tracking-tight sm:text-4xl">What the year looks like after you say yes</h2></div><div><p class="text-muted-foreground text-base leading-relaxed sm:text-lg">Ongoing clients don&#x27;t have to wonder what the fee buys. There&#x27;s a published rhythm to the year, and it&#x27;s a floor rather than a ceiling. You can grab time with us about anything, any month.</p></div></div><div class="mt-8 grid grid-cols-1 gap-4 sm:mt-10 sm:grid-cols-2 lg:grid-cols-4 lg:gap-5"><div class="border-border bg-card rounded-2xl border p-6"><p class="text-primary font-serif text-lg font-semibold tracking-tight">Jan – Mar</p><ul class="mt-4 space-y-2.5"><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed"><span aria-hidden="true" class="bg-accent mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full"></span>Tax summary letter and 1099s</li><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed"><span aria-hidden="true" class="bg-accent mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full"></span>Contribution review</li></ul></div><div class="border-border bg-card rounded-2xl border p-6"><p class="text-primary font-serif text-lg font-semibold tracking-tight">Apr – Jun</p><ul class="mt-4 space-y-2.5"><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed"><span aria-hidden="true" class="bg-accent mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full"></span>Tax return review</li><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed"><span aria-hidden="true" class="bg-accent mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full"></span>Spring review meeting</li><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed"><span aria-hidden="true" class="bg-accent mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full"></span>Beneficiary check</li></ul></div><div class="border-border bg-card rounded-2xl border p-6"><p class="text-primary font-serif text-lg font-semibold tracking-tight">Jul – Sep</p><ul class="mt-4 space-y-2.5"><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed"><span aria-hidden="true" class="bg-accent mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full"></span>Insurance review</li><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed"><span aria-hidden="true" class="bg-accent mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full"></span>Estate document review</li></ul></div><div class="border-border bg-card rounded-2xl border p-6"><p class="text-primary font-serif text-lg font-semibold tracking-tight">Oct – Dec</p><ul class="mt-4 space-y-2.5"><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed"><span aria-hidden="true" class="bg-accent mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full"></span>Year-end tax planning</li><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed"><span aria-hidden="true" class="bg-accent mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full"></span>Fall review meeting</li><li class="text-muted-foreground flex items-start gap-2.5 text-sm leading-relaxed"><span aria-hidden="true" class="bg-accent mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full"></span>RMDs and giving</li></ul></div></div><div class="mt-8 flex flex-wrap items-center gap-4"><a class="focus-ring inline-flex items-center justify-center gap-2 rounded-full text-xs font-semibold uppercase tracking-[0.12em] transition-colors bg-primary px-6 py-3.5 text-white hover:bg-primary-strong " href="/client-service-calendar/">See the full client service calendar</a><a class="focus-ring inline-flex items-center justify-center gap-2 rounded-full text-xs font-semibold uppercase tracking-[0.12em] transition-colors px-2 py-2 text-foreground hover:text-primary " href="/pricing/">What ongoing costs <span aria-hidden="true">→</span></a></div></section></div><div style="backface-visibility:hidden;will-change:opacity, transform;opacity:0;transform:translateY(12px)"><section class="border-border relative border-b p-6 sm:p-10 lg:p-14 xl:px-20 2xl:px-32">
1<script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Why do you charge $500 instead of a complimentary plan?","acceptedAnswer":{"@type":"Answer","text":"Two reasons, both honest. It keeps the tire-kickers away, which protects the time we give the families who are serious. And it makes the engagement fair in both directions: you pay for real work and get a real written plan, whether or not you ever hire us for anything else."}},{"@type":"Question","name":"What should I bring to the planning meetings?","acceptedAnswer":{"@type":"Answer","text":"Your latest tax return, investment and retirement account statements, insurance policies, and any legal documents you have. Our [Appointment Checklist](/resources/) lays it out so the gathering takes one evening, not a weekend."}},{"@type":"Question","name":"How do meetings happen?","acceptedAnswer":{"@type":"Answer","text":"Mostly over video, which our clients across 12 states prefer, no drive time, no parking, meet from wherever you are. If you're local to Baltimore, the Parkville office is always an option."}},{"@type":"Question","name":"What happens after I become an ongoing client?","acceptedA
1nswer":{"@type":"Answer","text":"We implement the plan and put you on our [client service calendar](/client-service-calendar/): scheduled reviews (typically once or twice a year, more if you prefer), ongoing investment management, tax planning through the year, and a direct line to Colin when life changes."}}]}</script>
1<h2 class="text-foreground max-w-2xl font-serif text-3xl leading-[1.1] font-semibold tracking-tight sm:text-4xl">Process questions, answered straight</h2><div class="border-border mt-6 border-t sm:mt-10"><ul class="divide-border divide-y"><li><button id="_R_clav5ulb_" type="button" aria-expanded="true" aria-controls="_R_clav5ulbH1_" class="focus-ring flex w-full cursor-pointer items-center justify-between gap-6 py-6 text-left sm:py-7"><span class="text-foreground text-base leading-snug font-medium tracking-tight sm:text-lg">Why do you charge $500 instead of a complimentary plan?</span><span aria-hidden="true" class="text-foreground relative inline-flex h-9 w-9 shrink-0 items-center justify-center"><span class="bg-muted absolute inset-0 rounded-full"></span><span class="border-border absolute inset-0 rounded-full border"></span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down relative h-4 w-4" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></span></button><section id="_R_clav5ulbH1_" role="region" aria-labelledby="_R_clav5ulb_" style="overflow:hidden;height:auto;opacity:1"><div class="text-muted-foreground max-w-5xl space-y-4 pr-12 pb-7 text-sm leading-relaxed sm:text-base xl:max-w-6xl" style="transform:none"><p>Two reasons, both honest. It keeps the tire-kickers away, which protects the time we give the families who are serious. And it makes the engagement fair in both directions: you pay for real work and get a real written plan, whether or not you ever hire us for anything else.</p></div></section></li><li><button id="_R_klav5ulb_" type="button" aria-expanded="false" aria-controls="_R_klav5ulbH1_" class="focus-ring flex w-full cursor-pointer items-center justify-between gap-6 py-6 text-left sm:py-7"><span class="text-foreground text-base leading-snug font-medium tracking-tight sm:text-lg">What should I bring to the planning meetings?</span><span aria-hidden="true" class="text-foreground relative inline-flex h-9 w-9 shrink-0 items-center justify-center"><span class="bg-muted absolute inset-0 rounded-full"></span><span class="border-border absolute inset-0 rounded-full border"></span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down relative h-4 w-4" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></span></button></li><li><button id="_R_slav5ulb_" type="button" aria-expanded="false" aria-controls="_R_slav5ulbH1_" class="focus-ring flex w-full cursor-pointer items-center justify-between gap-6 py-6 text-left sm:py-7"><span class="text-foreground text-base leading-snug font-medium tracking-tight sm:text-lg">How do meetings happen?</span><span aria-hidden="true" class="text-foreground relative inline-flex h-9 w-9 shrink-0 items-center justify-center"><span class="bg-muted absolute inset-0 rounded-full"></span><span class="border-border absolute inset-0 rounded-full border"></span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down relative h-4 w-4" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></span></button></li><li><button id="_R_14lav5ulb_" type="button" aria-expanded="false" aria-controls="_R_14lav5ulbH1_" class="focus-ring flex w-full cursor-pointer items-center justify-between gap-6 py-6 text-left sm:py-7"><span class="text-foreground text-base leading-snug font-medium tracking-tight sm:text-lg">What happens after I become an ongoing client?</span><span aria-hidden="true" class="text-foreground relative inline-flex h-9 w-9 shrink-0 items-center justify-center"><span class="bg-muted absolute inset-0 rounded-full"></span><span class="border-border absolute inset-0 rounded-full border"></span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down relative h-4 w-4" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></span></button></li></ul></div></section></div><div style="backface-visibility:hidden;will-change:opacity, transform;opacity:0;transform:translateY(12px)"><section class="bg-background p-3 sm:p-4 lg:p-6"><div class="bg-navy relative overflow-hidden rounded-3xl"><img alt="" aria-hidden="true" loading="lazy" decoding="async" data-nimg="fill" class="object-cover opacity-25" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="100vw" srcSet="/_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&amp;w=640&amp;q=75&amp;dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 640w, /_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&amp;w=750&amp;q=75&amp;dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 750w, /_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&amp;w=828&amp;q=75&amp;dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 828w, /_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&amp;w=1080&amp;q=75&amp;dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 1080w, /_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&amp;w=1200&amp;q=75&amp;dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 1200w, /_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&amp;w=1920&amp;q=75&amp;dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 1920w, /_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&amp;w=2048&amp;q=75&amp;dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 2048w, /_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&amp;w=3840&amp;q=75&amp;dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 3840w" src="/_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&amp;w=3840&amp;q=75&amp;dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW"/><div class="relative px-5 py-14 text-center sm:px-8 sm:py-20 lg:px-12"><h2 class="mx-auto max-w-2xl font-serif text-3xl leading-[1.12] font-semibold tracking-tight text-white sm:text-4xl lg:text-5xl">Step one is complimentary and books in two minutes.</h2><p class="mx-auto mt-5 max-w-xl text-base leading-relaxed text-white/80">Tell us what&#x27;s on your plate. We&#x27;ll tell you honestly whether we can help, and you&#x27;ll know exactly what working together costs before you commit to anything.</p><div class="mt-9 flex flex-wrap items-center justify-center gap-4"><a class="focus-ring inline-flex items-center justify-center gap-2 rounded-full text-xs font-semibold uppercase tracking-[0.12em] transition-colors bg-white px-6 py-3.5 text-navy hover:bg-accent-soft " href="/schedule/">Schedule Your Complimentary Call</a><a class="focus-ring inline-flex items-center justify-center gap-2 rounded-full text-xs font-semibold uppercase tracking-[0.12em] transition-colors px-2 py-2 text-foreground hover:text-primary hover:text-accent text-white" href="/pricing/">See every cost first<!-- --> <span aria-hidden="true">→</span></a></div><p class="mt-8 text-sm text-white/60">Prefer the phone? Call<!-- --> <a href="tel:+14106630700" class="focus-ring rounded-sm font-medium text-white/85 underline underline-offset-2 hover:text-white">410-663-0700</a> <!-- -->and ask for Colin.</p></div></div></section></div></main><!--$--><!--/$--><section class="bg-background p-3 sm:p-4 lg:p-6"><div class="bg-navy rounded-3xl px-5 py-10 text-white sm:px-8 sm:py-12 lg:px-12 lg:py-14"><div class="mb-10 flex flex-col gap-5 border-b border-white/15 pb-8 sm:flex-row sm:items-center sm:justify-between sm:gap-10"><div><p class="font-serif text-2xl leading-tight font-semibold">Get our newsletter</p><p class="mt-1.5 max-w-3xl text-sm leading-relaxed text-white/75">
1Monthly, in your inbox, with a printed copy mailed to you if you&#x27;d like one.</p></div><a class="focus-ring inline-flex items-center justify-center gap-2 rounded-full text-xs font-semibold uppercase tracking-[0.12em] transition-colors bg-white px-6 py-3.5 text-navy hover:bg-accent-soft shrink-0 self-start sm:self-auto" href="/newsletter/">Get the Newsletter</a></div><div class="grid grid-cols-1 gap-12 lg:grid-cols-[minmax(0,1.1fr)_minmax(0,2fr)] lg:gap-16"><div><p class="font-serif text-2xl leading-tight font-semibold">Maryland Financial Advocates</p><p class="text-accent mt-2 text-sm font-medium tracking-[0.14em] uppercase">Planning for your family&#x27;s unique needs</p><address class="mt-8 space-y-1.5 text-sm leading-relaxed text-white/75 not-italic"><p>9621 Harford Rd, Suite 1<br/>Parkville<!-- -->, <!-- -->MD<!-- --> <!-- -->21234</p><p><a href="tel:+14106630700" class="focus-ring rounded-sm transition-colors hover:text-white">410-663-0700</a></p><p><a href="mailto:[email protected]" class="focus-ring rounded-sm transition-colors hover:text-white">[email protected]</a></p></address><div class="mt-8 flex items-center gap-3"><a href="https://x.com/ColinMeeksCFP" target="_blank" rel="noopener noreferrer" aria-label="X (Twitter)" class="focus-ring hover:border-accent hover:text-accent inline-flex h-10 w-10 items-center justify-center rounded-full border border-white/20 text-white/80 transition-colors"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-twitter h-4.5 w-4.5" aria-hidden="true"><path d="M22 4s-.7 2.1-2 3.4c1.6 10-9.4 17.3-18 11.6 2.2.1 4.4-.6 6-2C3 15.5.5 9.6 3 5c2.2 2.6 5.6 4.1 9 4-.9-4.2 4-6.6 7-3.8 1.1 0 3-1.2 3-1.2z"></path></svg></a><a href="https://www.linkedin.com/in/colin-meeks-71106010/" target="_blank" rel="noopener noreferrer" aria-label="LinkedIn" class="focus-ring 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1-14 0v-2"></path><rect x="9" y="2" width="6" height="13" rx="3"></rect></svg></a></div></div><div class="grid grid-cols-2 gap-x-8 gap-y-10 sm:grid-cols-3 lg:gap-x-12"><nav aria-label="Who we help"><p class="mb-5 text-sm font-medium text-white/50">Who we help</p><ul class="space-y-3"><li><a class="focus-ring hover:text-accent rounded-sm text-sm text-white/85 transition-colors" href="/special-needs-financial-planning/">Special needs planning</a></li><li><a class="focus-ring hover:text-accent rounded-sm text-sm text-white/85 transition-colors" href="/eldercare-financial-planning/">Eldercare planning</a></li><li><a class="focus-ring hover:text-accent rounded-sm text-sm text-white/85 transition-colors" href="/retirement-planning/">Retirement planning</a></li><li><a class="focus-ring hover:text-accent rounded-sm text-sm text-white/85 transition-colors" href="/locations/">Areas we serve</a></li></ul></nav><nav aria-label="Explore"><p class="mb-5 text-sm font-medium text-white/50">Explore</p><ul class="space-y-3"><li><a class="focus-ring hover:text-accent rounded-sm text-sm text-white/85 transition-colors" href="/our-process/">How we work</a></li><li><a class="focus-ring hover:text-accent rounded-sm text-sm text-white/85 transition-colors" href="/pricing/">Pricing</a></li><li><a class="focus-ring hover:text-accent rounded-sm text-sm text-white/85 transition-colors" href="/about/">About us</a></li><li><a class="focus-ring hover:text-accent rounded-sm text-sm text-white/85 transition-colors" href="/insights/">Insights</a></li><li><a class="focus-ring hover:text-accent rounded-sm text-sm text-white/85 transition-colors" href="/podcast/">Podcast</a></li><li><a class="focus-ring hover:text-accent rounded-sm text-sm text-white/85 transition-colors" href="/resources/">Complimentary resources</a></li></ul></nav><nav aria-label="Get started"><p class="mb-5 text-sm font-medium text-white/50">Get started</p><ul class="space-y-3"><li><a class="focus-ring hover:text-accent rounded-sm text-sm text-white/85 transition-colors" href="/schedule/">Schedule a call</a></li><li><a class="focus-ring hover:text-accent rounded-sm text-sm text-white/85 transition-colors" href="/contact/">Contact</a></li><li><a class="focus-ring hover:text-accent rounded-sm text-sm text-white/85 transition-colors" href="/client-service-calendar/">Client service calendar</a></li></ul></nav></div></div><div class="mt-14 border-t border-white/15 pt-8"><p class="max-w-5xl text-xs leading-relaxed text-white/60">The financial consultants of Maryland Financial Advocates are Registered Representatives and Investment Adviser Representatives with securities and investment advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: MD, VA, PA, FL, DE, WA, TX, GA, MA, NC, OR, WV.</p><div class="mt-4 flex flex-wrap items-center gap-x-6 gap-y-4"><p class="text-xs leading-relaxed text-white/60"><a href="http://www.lpl.com/CRS" target="_blank" rel="noopener noreferrer" class="focus-ring rounded-sm underline underline-offset-2 transition-colors hover:text-white">LPL Financial Form CRS</a></p></div><div class="mt-8 flex flex-col items-start justify-between gap-4 sm:flex-row sm:items-center"><p class="text-xs text-white/50">© <!-- -->2026<!-- --> Maryland Financial Advocates. All rights reserved.</p>
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