Financial FAQ's

Yes we do. Financial planning is the core to what we do on our team. We integrate all aspects of a client's financial life and put it together like a puzzle. We utilize different aspects to develop the financial plan for you. This will first include a discovery meeting, getting to know you and gathering some data. Our next step is to identify and select goals. This is really important for us because we want to help our clients achieve their goals and thus make them happy. We will then look at the current trajectory and assess whether we need to create a different course of action. This will lead us to develop a financial plan. The we constantly monitor the plan with you. We will meet more frequently in the early parts of our relationship to ensure the plan is aligned correctly, we have the necessary information and you are comfortable with the projected trajectory. Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Yes we can. We are legally licensed to sell insurance in all states.

The amount of your income will be an important part of this decision. There are eligibility requirements that have to be met and we review them all before making a decision. We also utilize a roth analysis tool which helps project out which account is more efficient for the client over their lifespan.  

We run a social security analysis which can project with inflation what amounts a client will receive in the future at certain ages based on work history and how much they have paid into social security. 

This is a rather broad question. Risk tolerance is something that is usually developed over time. For example a client in their early 30's will likley have a different attitude towards risk compared to one in their mid 60's. We tailor portfolios to how much risk we think a client should be taking along with how much they are comfortable taking.

Yes we do. We work closely with tax professionls and attorneys. We can offer surface level opinions and advice about taxes and estates however it is not our main area of focus. As a result, we have close relationships with CPA's and attorneys that we advise clients utilize for professional advice.

When developing a relationship and financial plan for a client we will meet frequently early on in what we call the discovery meetings of the relationship. This will be where we get to know the client more and understand their needs/wants are. Upon completion of the discovery meetings we will begin implementing the plan based on our recommendations and from there we will meet quarterly. We are available to clients whenever they need us. We have a four person team where there will always be someone available in person in the office or if you want a specific advisor on the team they will be available via phone.

We typically charge a fee based on the assets under management. Prior to you engaging our services, we will fully disclose to you our costs. Important information about the advisory services offered, fees, and certain risks of investing is contained in the Form ADV which can be obtained from the financial advisor and should be read carefully before investing.

This is a question we get a lot and the answer we give is that one should begin investing at the earlier of, when you get your first job or when you have any additional income.