After the free consultation we would then begin to determine what you own and, hopefully, why you own it. We will attempt to determine the fees, expenses, surrender charges and M&E expenses. It’s not our goal to eliminate all fees but rather make sure you understand the fees.At JHP we believe that if we are recommending something to our clients those recommendations should be good enough for us. That is why we invest in the same investments as our clients. We tailor our portfolios to meet the needs of our clients and if we wouldn't own it in our portfolio we will not recommend it to you our client.