8044 Montgomery Road
1. All the websites/advisors I have reviewed all look the same. Why should I talk with you?
2. What is a fee-only account?
We prefer an investment account in which the advisor's compensation is based on a set percentage of the client's assets instead of on commissions. Contrast this to commission-based investment, in which the advisor makes money based on the amount of trades made or the amount of assets sold to the client.
3. Is it worth hiring a financial advisor to help me?
4. What type of people do you work with?
Generally, our clients are business owners, executives or affluent couples within 10 years of retirement or in retirement.
5. What financial areas can you help me cover?
It is critical to think long term to put a plan together that makes sense to you and to ensure you are doing the right things to achieve your most important financial goal in line with your values. This is how we help. You might be worried about when you can retire? Are you on track to retire? Can I help my children? I have been saving all my life and now how do I live off my investments without running out? Our ongoing wealth management services helps in the following areas:
6. What is your approach to financial planning?
Financial planning is a multi-step process that provides you with two important things: (1) An in-depth review of your current financial situation, and (2) a blueprint that shows you how to work towards achieving your goals and objectives for the future. It is important to remember that financial planning is a process…not an event. We are unusual in that we look at all areas of our client’s finances to make sure their most important goals are addressed. We become true partners to help our clients pursue their most important goals.
7. Do you have the qualifications and experience to potentially help me?
The simple answer is yes. Our qualifications:
8. Tell me about your investment philosophy.
As financial planners and investment consultants, we believe in the following fundamental principles with regard to designing an investment portfolio and making specific recommendations: The purpose of a client’s investment portfolio is to fund current and/or future financial objectives. The design of the portfolio must take into account the client’s financial objectives, tolerance for risk, needs for current income or liquidity, and special considerations such as income and estate taxes. The important thing to remember is that no one can predict the future. It is a difference of opinion that makes a market. Investment and economic “experts” provided with the same information often come to different conclusions. We do not suggest that we can, or that any of the money or mutual fund managers that we recommend, will make the correct decision every time. We believe that having a diversified, well-balanced portfolio, following long-term buy-and-hold strategies, and having patience; will increase the likelihood that one will achieve their long-term financial objectives.
Investing involves risk including loss of principal. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
9. Do you have a client portal where I can see my plan?
Yes, we have a great user friendly client portal for our clients. Our clients find it is a comprehensive tool that allows seeing all their finances in one place.
10. I have already accumulated substantial assets and think I am doing quite well. But as I progress and build for the future, things seem to be getting more complicated. I want to be sure I am on track, but I don’t always have the time or inclination to manage the myriad details by myself. Can you help me?
People who need more sophisticated financial planning or advice will find our services appealing and beneficial. If you have a desire to simplify your financial affairs, our Ongoing Wealth Management Service may be right for you, we will discuss these options at your complimentary initial “discovery” meeting. If you are looking for a professional review or a second opinion to ensure you are on track, we can provide that too.