Our Mission
Our mission is to help clients work toward financial independence by taking time to determine their goals, objectives, time horizon, and risk tolerance so they can make prudent financial decisions for their future. As their trusted and knowledgeable advisor, we aim to build long-term relationships that further this aim through education, training, integrity and outstanding client service.
Our Goal
Our goal is to effectively assist you in managing your financial affairs.
Step 1:
We will schedule a visit with you in person at our office or your home, to discuss your situation and determine if there is a good fit between your needs and the services we provide. Assuming we both agree there is a fit we will outline the next steps, if not we shake hands and part friends!
One question we always ask, "What would we do if we were in your position?"
Step 2:
We will schedule a meeting, where we share proven financial principles to educate you on the fundamental principles of successful personal financial management. We also gather data, which permits us to identify areas of possible improvement to your financial situation, identify and define your life goals.
Step 3:
When we meet for our next appointment, we help you to set financial objectives and show you how to reach them. As the old cliche so accurately states, "fail to plan, plan to fail," meaning that we must establish set goals to experience financial success in life.
These generally are:
- Current Retirement Income Planning
- Estate Planning and wealth preservation (where needed)
- Planning to achieve future financial independence
- Funding specific accumulation goals
- Financial structuring
- College tuition planning (if pertinent)
Sufficient cash flow is, of course, needed for saving and living, so we'll help you to identify needed funding resources by:
- Sharing creative ideas on how to seek to reduce taxes
- Effectively repositioning and/or developing your portfolio
- Providing insurance cost saving ideas
- Working towards helping your money last for retirement
- Reviewing possible debt restructuring strategies with you
Frequently Asked Questions:
- 1. What do you charge and what method do you use to get paid as a financial professional?
We offer commission based services, but for clients that prefer an advisory relationship, we are paid on a fee basis. Our fees are based on Assets under management and are fair and competitive-they vary depending on the scope of the work we perform for our clients We essentially charge one fee -we do not have extra charges for the plan we put together, nor are there additional fees for periodic meetings, updates or financial guidance. I address these specifically when I understand exactly the scope of work I am going to be doing for my client.
- 2. What are your credentials that qualify you to handle retirement planning and how much experience do you have?
Please see the "Our Team" page.
- 3. What does your financial plan entail?
Please see "What we do" - Outlining in detail what our plan entails.
- 4. Can I really get a NO-Cost- NO Obligation evaluation of my current portfolio?
Yes that is correct - we would do an professional review of your account - at no charge to you.
- 5. What other planning services do you provide?
As noted on - "About us" - Covers all that we do. Our experienced professionals is in the area of planning, along with developing and managing the client's portfolio.
- 6. What are the steps to get started and what does the planning process entail?
Please see- "Our Process"
- 7. Does your planning include specific recommendations or more on general directions?
As noted on - "Our Process" we are very specific - see middle of page and please review "Our Client Profiles".
- 8. What products do you specifically market and are there financial incentives for you to recommend certain financial products?
We are independent so we have an open architect and have NO proprietary products - Our focus is on mutual funds/ETFs and alternative products where appropriate.
- 9. Do you receive referral fees from attorneys, accountants, insurance professionals, mortgage brokers, or others?
NO
- 10. What about REGULATORY COMPLIANCE?