Frequently Asked Questions

Financial planning is not a one time event. It’s a process which begins by getting to know you by taking an in-depth look at your complete financial picture and your short- and long-term lifestyle goals:

• Understand where you are today
• Uncover where you want to go
• Map out how you are going to get there 

Financial planning encompasses many types of “planning” into one comprehensive roadmap:

• Tax Planning
• Retirement Planning
• Estate Planning
• Philanthropic Planning
• Education Funding Planning
• Investment Planning 
• Insurance Planning 

A financial advisor will use their years of experience and education to guide you towards reaching your financial and lifestyle goals – by helping you think clearly, analyze all your options, and make sound investment decisions. An advisor will take an objective look at the pros and cons of your financial situation to put together, and implement, a tailored financial plan. This plan will help keep you accountable and on track.

We can all benefit from financial advice from time to time. You want to help ensure your loved ones and your assets will be cared for if and when the unexcepted happens. Perhaps retirement is on the horizon and you want to understand when you can afford to retire. Perhaps retirement is here and you want to know how you will generate income once you are no longer working. There are many scenarios where guidance from a financial advisor can go a long way.

We work with successful individuals and families that have various backgrounds, circumstances, and financial objectives. Our specialties include:

• Individuals preparing for or facing a life transition – including, but not limited to, retirement, loss of a spouse/partner and divorce, and selling a business 
• Business owners looking for guidance on their personal finances 

Yes, which means that we are able to provide quality investment solutions and services wherever they may be found.

We are a team that follows a fiduciary standard, which means we are committed to putting our clients' best interest first and foremost. Additionally, as part of his or her certification, a CERTIFIED FINANCIAL PLANNER^™ professional is required to follow a fiduciary standard for their clients – versus other financial services professionals, who may be regulated and passed the required industry licensing exams but are not required to follow the same standards for their clients. Financial advisors who follow a fiduciary standard commit to recommending will recommend solutions based on the best interest to the client, not advisor. 

Your portfolio will undergo meticulous analyses designed to develop effective investment strategies, which are overseen  to help reach performance goals. Additionally, we  examine 13 key wealth management benchmarks with our clients to help preserve assets. Our approach is not a “one-size fits all” – we tailor each client’s portfolio to their specific needs, objectives and situation. 

We will facilitate the paperwork and processes to move over any existing accounts with other advisors or professionals you are also working with to ensure a smooth transition. 

 In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part 2 as well as the client agreement.  

 *However, if deemed appropriate and in our client's best interest, we also provide commissioned brokerage services.

• Through your 24/7 online account access, you can track your investments and more at any time.
• You will receive regular account statements from our custodian, Raymond James, where your investments are held, sent to you by mail or email. 
• We are available via phone or email Monday through Friday.
• You can also schedule a phone call or in-office review whenever is convenient for you.
• We meet formally at least twice per year when we will provide you with a comprehensive report that shows your portfolio’s performance and analysis.
• Your advisor will review your portfolio on an ongoing basis.

Yes. In addition to in-person meetings, we offer both phone call and virtual meetings that allow us to conveniently connect wherever you may be.

Yes. We are big advocates of working as a team with your CPA, attorneys and any other professionals as needed. The team approach helps ensure you are receiving holistic advice that aligns all aspects of your financial objectives and goals.

If you do not have a relationship with an accountant or attorney, we can introduce you to a trusted professional.

First, schedule a no-obligation, 20-minute discovery call. During this call we will listen and ask questions:

• To learn about your situation, your concerns and any perceived obstacles 
• To acquire a sense of your goals and objectives
• To gain an understanding of your expectations 

We will also share about how we operate and our philosophy.

If we mutually agree it is a good fit, we will then invite you to our office for a one-hour planning meeting.