Frequently Asked Questions
Yes, we are. We make it a point to always act in the best interests of our clients.
We are compensated in three ways. First, we charge a financial planning fee to analyze your situation, review alternative solutions and design a strategic plan to meet your goals and objectives. Second, we are compensated on products needed to implement your financial plan. Lastly, via client referrals if you have realized absolute value from our process.
Our custodian is Fidelity.
Our client engagement process is in-depth and progressive. First, we listen to your objectives and analyze your financials. Second, we help you understand where you are today, and review alternative solutions while designing a strategic plan to meet your need. Lastly, if you request our assistance, we can help you implement our recommendations and also monitor your financial plan on an ongoing basis. Implementation is not a requirement of engagement, but an option for consideration.
We discuss how often our clients want to meet with us before we begin. Whether that be monthly, quarterly, or semi-annually. However, we meet with all our clients at least annually.
Client portfolios are monitored on an ongoing basis.
Discretion is the ability for us to make proactive trades in your investment account within your risk tolerance profile as needed.
Yes. We are happy to meet with you to discuss what services you are looking for and if a relationship can be mutually beneficial.
While we do not provide services outside of financial planning we do act as a referrer and coordinator with your other advisors such as your accountant and your attorney.
No we do not provide legal services, but we do have a team of CPAs & attorneys that we leverage and can recommend to you.
No. Our introductory meetings are complimentary.
Our investment philosophy approach relies on time-tested, core principles developed by our firm decades ago. We focus on the following areas:
Asset Allocation**: which provides the foundation to managing portfolio risk and return potential.
Efficient Frontier***: assessment of adequate compensation (return) for given level of risk.
Tax Efficiency: Portfolio expenses must be scrutinized, and no single money management firm can be all things to all people.
We do analyze alternative investments and help you make an informed decision that is suitable towards meeting your goals.
*To the extent that I am providing you with investment advisory services, including either financial planning services or ongoing investment advice as part of an Osaic FA investment advisory program (i.e., fee-based managed account) pursuant to a written agreement and related disclosures that describes this investment advisory relationship, I am acting in a fiduciary capacity related to those services under the federal securities laws, in particular the Investment Advisers Act of 1940.
**Asset allocation won’t guarantee a profit or ensure against a loss but may help reduce risk and volatility in your portfolio. Diversification cannot eliminate the risk of investment.
***Efficient Frontier shows a set of asset allocations parameters which may provide an optimal balance between risk and return across a range of risk levels. The chart is used to derive risk and return points that represent the current and alternative asset allocations. There is no assurance that by assuming more risk a portfolio is guaranteed to achieve better results. Past performance does not guarantee future results.