Files go straight into Four C’s private folder. You don’t need an account anywhere, and no one else can see what you send.

If something on this list is hard to put your hands on, send what you have and tell us which piece is missing — we can usually get the rest ourselves.

Three things: a short questionnaire that fills in what we couldn’t cover in one meeting, our advisory agreement, and the Schwab account paperwork. We pre-fill everything we already know, so most of it is confirming rather than typing.

Your Form ADV Part 2 and Form CRS come attached to the agreement for your records.

Schwab opens your accounts and we coordinate the transfers from your current firm. Schwab will email your Schwab Alliance login directly to you — that one really is them.

Nothing is bought or sold while a transfer is in flight unless we have talked about it first.

We sit down together and walk through your plan, how the accounts are actually invested, and what the first year looks like. You leave with a written summary you can keep.

After this, we meet on a regular schedule — and this page stays put as your home base between meetings.

Everything we have just set up lives in the app too — your balances on the home screen, the documents we exchange, and a direct line to us that isn’t email.

• Your numbersAccount values on the home screen, without logging into three different websites.
• A direct lineMessage us inside the app. No missed email, no phone tag.
• Your feedNotes from us and market updates worth your time — and nothing else.
• Everything filedSchedule meetings, read what we’ve written, and send us a document from your phone’s camera.

Signing in: use the same email address we have been writing to. The app texts or emails you a code each time — there is no password to invent, forget, or write down.