YOUR FIRST CONVERSATION WITH GMFSI
What to Expect at Your First Meeting
You don’t need a finished plan. You just need a question, a concern, or a goal you would like to explore.
Start with a conversation about what matters to you—and leave knowing the next useful step.
No-obligation initial conversation · Virtual appointments · CFP®, EPC guidance
A COMFORTABLE STARTING POINT
Let’s begin with your priorities.
Perhaps retirement is getting closer. Your insurance no longer feels right. Your business needs employee benefits. Or you simply want a second opinion before making a decision.
We’ll listen to your situation, ask a few focused questions, and help you decide whether a more detailed review would be useful. You are welcome to start even if you’re unsure which service you need.
Choose the conversation that fits.
15-Minute Clarity Call
A brief introduction to understand your main question, your timing, and the type of help you are looking for.
- Tell us what prompted you to reach out.
- Clarify the decision you are facing.
- Agree on a useful next step, if needed.
No paperwork is needed for this first call. A full financial plan or product recommendation requires a more detailed review.
Start with a Clarity Call60-Minute Strategy Session
A longer conversation for individuals, families, or business owners ready to explore their situation in more detail.
- Discuss goals, priorities, and current arrangements.
- Identify information needed for a thorough review.
- Clarify the scope of any further planning work.
We’ll confirm the scope and explain any applicable fees or compensation before you proceed.
Explore appointment optionsWhat happens during the conversation?
We listen
You tell us what is changing, what concerns you, and what a useful outcome would look like.
We clarify
We ask questions to understand your priorities and explain the planning areas relevant to your situation.
We agree on next steps
That may be gathering information, arranging a deeper review, or giving you time to think. You decide how to proceed.
What should you bring?
For a 15-minute call, bring your questions. For a longer session, these items may be helpful if relevant and readily available:
A simple financial picture
- Your main goals and upcoming decisions.
- An approximate summary of income, spending, and debts.
- Current insurance and investment statements.
- Pension or retirement information, if applicable.
Your business priorities
- Business size and what you hope to achieve.
- Your current benefits summary, if you have a plan.
- Renewal timing and any proposed changes.
- A broad budget range and coverage priorities.
You don’t need to gather everything before reaching out. We’ll explain what is needed and how to share sensitive documents appropriately.
Meet your advisor
Madhu Shukla, CFP®, EPC is the founder of Green Mountain Financial Services Inc. Based in Hamilton, Ontario, she brings more than 20 years of experience in insurance and investments, including extensive experience with employee group benefits.
The conversation connects your immediate question with the bigger picture: protecting your income, building savings, preparing for retirement, and supporting the people who depend on you.
Learn more about GMFSI →Questions before you book?
Is there a charge for the 15-minute Clarity Call?
The initial 15-minute Clarity Call is complimentary and without obligation. If further work is appropriate, we’ll explain its scope and any applicable costs before you decide.
Will I need to buy a product or change advisors?
There is no obligation to purchase a product or make a change. You can use the first conversation to decide whether further help would be useful.
Can we meet virtually?
Yes. Virtual appointments let you join from a convenient location. When you book, you’ll receive the meeting details.
Can my spouse or business partner join?
Yes. Let us know when booking so the right people can take part in the discussion.
What if I already have insurance or investments?
That is a useful starting point. We can discuss your question and determine whether a review of existing arrangements would help.
What if I don’t know where to start?
Tell us what is changing in your life or what has been on your mind. We’ll help you identify a practical starting point.
Your first step can be a simple conversation.
Tell us what matters to you. We’ll help you clarify where to begin.
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