Frequently Asked Questions

• What type of clients do you work with?
• I really don’t have enough money to invest.  Why do I need to start planning now?
• Why do I need the services of a financial advisor?
• How are you different from discount brokerage firms online?
• The markets are so volatile. Shouldn’t I wait until its up again before investing?
• Aren’t you just going to tell me to stop spending and start saving?
• This sounds like a lot of work on my part and I really don’t have the time.  Can I delay this until I have more free time?
• What can I expect in a financial plan?
• What can I expect from you as my financial advisor on an ongoing basis?
• What’s the advantage of having an “independent” financial advisor?
• Sounds expensive…so what does all this cost and how do I know it’s worth it?
• Sounds great!  Where do I start?

The clients we work with are a diverse group, with unique and differing financial situations and needs.  The common thread in each of them is their desire and motivation to enhance their financial well-being.  An individual can only be helped if they possess the willingness to actively participate in the planning process. 

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A common misconception held by many is not having “enough” money to invest.  Many people delay the planning process, waiting until they have that magic number defining them as wealthy.  Often times, this magic number is simply a barrier to beginning the planning process and individuals are stuck never obtaining their goal of retiring early, taking that long vacation, or putting their kids through college.  Any one with an income can get on the path to financial stability with early planning. 

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Many people do their own investing and planning.  Those who have the investment knowledge, diligence, discipline, and time to manage their financial lives beyond living their everyday lives are a rare and lucky breed.  Staying current with rules and regulations set forth by the government is essential.  In addition, the financial markets offer hundreds of options that all seem attractive.  Filtering through these choices takes thorough research and a sound understanding of investments.  Removing emotion from the process is also important to making rational decisions.  These are all areas in which a financial advisor can add value to your life.

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At most discount brokerage firms, you will be left to do the planning and research yourself.  When calling these firms for assistance, you are often faced with a maze of automated menus and recordings before finally speaking to someone who may or may not have the advice or information you are seeking.  A financial advisor can provide a familiar voice and face to speak with whenever you are faced with a financial concern.    

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The stock markets have always and will always be unpredictable.  All investment markets rise and fall over time, completely beyond our control and without certainty.  The appropriate moment to invest and the vehicle in which to invest depends on your unique situation, your time horizon, and your risk tolerance. These are things you know and can control. We also know that volatility tends to smooth out over the long term. Investing regularly is a strategy that helps minimize costs and uses market volatility for your benefit.  Such a plan involves continuous investment in securities regardless of fluctuation in price levels of such securities. An investor should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. This simple idea of dollar-cost averaging allows you to buy more when prices are low and less when prices are high.  Recognizing these concepts helps one to avoid the fear and panic that can be an investor’s greatest weakness. 

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Our philosophy is based upon establishing a financial balance for you not only today, but also in the future.  This doesn’t mean putting away every dime earned today for tomorrow’s consumption.  We firmly believe that planning for your financial future involves living comfortably and enjoying life.  However, your current lifestyle may be deterring you from the path toward the lifestyle you would like to have in the future.  We strive to help uncover your values about money and balance those values with your long-term goals.  Getting on the right path will involve self-assessment and realizations about your current financial situation.

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The planning process does take time; however, it is our job to make it as seamless and straightforward for you as possible.  The time is well-spent to bring a focus to your financial picture.  Many people make time for exercising, eating well, or taking on a new hobby.  There are few reasons why one should delay any effort that will help one’s well-being.  We believe this includes one’s financial health.

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The elements in the financial plan depend uniquely on each individual’s situation.  While some individuals may simply need an asset allocation plan, others may require a comprehensive financial overview and assessment to get them on the right track. 

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Establishing a trustworthy relationship with clients is our top priority.  We take pride in educating our clients on all the tools and resources available to them in the financial world.  Clients then gain a greater appreciation of the planning process, helping them connect the means to the end.  As your financial advisor, we provide ongoing support, keeping you apprised of issues relevant to working toward your goals.

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As an independent firm, we have the freedom to manage and serve our clientele based on what’s best for them, without the pressure or incentives to sell proprietary products.  Having chosen LPL Financial as our broker/dealer, we have access to resources and products that rival or surpass other firms.  A wide array of asset management accounts and investment options coupled with unbiased research allows us to work in your best interests.

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Initial consultations are complimentary to help determine your needs. We are typically compensated based on a percentage of assets being managed. Clients interested only in a financial plan or consulting services are charged a flat fee.  Good financial advisors don’t guarantee returns; they provide objective counsel based on your needs and guide you down a path that will work toward your goals. 

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Give us a call or send us an email to begin taking control of your financial life.  We look forward to hearing from you.

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