OUR PROCESSOur process is founded on honesty, service and competence.

At Arbor Financial Services, we work closely with our clients to build long-term business relationships. We want you to feel comfortable with our honesty, service and competence. Because great relationships are built on trust and communication, it’s also important for you to be open and honest with us about your needs and concerns.

Initial Interview

Every investor is different, bringing a unique set of goals, constraints, expectations and portfolio holdings to the planning process. We begin with you and your hopes for the future. During this exploratory meeting, we will ask questions like: What kind of lifestyle do you expect your portfolio to support? How much income do you need to meet your needs? What do you like and dislike about your current strategy? How often do you prefer to meet to discuss your strategy and financial outlook?

We will also discuss our strengths as advisors and let you know what to expect if we decide to work together. By the end of the meeting we should know if we are a good fit for each other. Together, we will decide if it makes sense to continue the process. This meeting normally lasts between 30 and 90 minutes. If you are married, your spouse should attend. While most clients prefer to meet with us in our Downers Grove office, this meeting can be held at any location that is convenient for you, even in your own home.

Second Interview

Before we meet again, we will take the things that you told us are most important to you and design an initial plan based on your objectives and reflecting our expertise, experience, and independent research. At this second interview we will discuss our analysis and initial recommendations with you.


There is no cost to you for our initial interview, for the research we do for you, or for sharing our analysis and recommendations with you. Neither you nor Arbor Financial Services has made any commitments through this step. Costs after this point depend on many things. Before we decide to proceed, you will clearly know your costs and how we get paid. We always fully disclose all costs, including any hidden ones that may be easily overlooked.

You will find that we are not the cheapest firm. With Arbor Financial, you are not a number or source of commission. For a reasonable fee, we will provide you with personal, high-quality services which are custom tailored for your unique needs. Our clients continually express their satisfaction with our services and feel they get the value they pay for.