Frequently Asked Questions

What does a financial advisor do?

Most people are so busy doing what they do that they do not spend time reviewing their financial situation. We assist you in developing a solid financial framework by analyzing your protection, cash flow, savings rate, and level of debt.  We then help you get all of these to optimal levels.

How are you different from other advisors?

Most advisors focus primarily on investments. Investments are obviously very important, but a large part of our process is verifying that you have not left yourself vulnerable by not addressing the many risks that can derail your plan.

How are you compensated?

We believe compensation should be straightforward and transparent. As a fully licensed financial services firm, we are compensated in different ways depending on the services and products you choose. If we manage your investments, we charge an ongoing advisory fee based on a small percentage of the assets we manage on your behalf, and this fee will be clearly disclosed in advance. If you purchase an insurance product through us, we will receive a commission from the insurance company. This does not increase the cost of the policy to you.

Who do you typically work with?

Our clients are high income professionals and business owners who very often feel overwhelmed by the many financial decisions we all face.

Where/how do you begin the process?

We begin by finding out what’s important about money to you. Most people lack access to clear and accurate financial information.

What are common questions you are asked by clients?

-Do I have any obvious risks?
-What are required minimum distributions?
-When should I start taking social security?
-How do I know if I can afford to retire?
-Do you help with tax planning?

We assist clients in answering these and many other questions.

Can you work with my CPA and attorney?

We believe in a collaborative approach and prefer to coordinate with your other professionals.

How do you store our financial information?

Under lock and key, and we have an encrypted tool that allows you to store all your financial information and documents so that everything is readily available for you.

If something happens to me will my family know what to do?

Our encrypted system will give your family access to all important financial information and a path to follow.

Is the first meeting free?

Yes. There is no charge for the first meeting. If you want to verify that you haven’t overlooked anything then you should contact us.