FAQs

  • Q: What can you do for me?

    A: We believe the essence of investment management is the management of risk, not the management of returns. That's why we urge to create a custom, lifelong solution that's best suited for you---and only you as members of your complete financial planning and wealth management team."

  • Q: How do you charge for your planning and wealth management services?

    A: "Like our home page says, we try to simplify your investment life and find that being totally transparent in our compensation is just that---clear and easy to understand. That's why our preferred method of compensation is FEE-ONLY* based on the amount of assets we manage for you."

  • Q: How often will we get together?

    A: "It generally takes 1-2 visits to get to know each other, establish a meaningful rapport and identify the goals you value. Once your plan is put into place, you will receive periodic reports and can expect us to visit with you during the year."

  • Q: Do your services include estate planning?

    A: "Yes. A meaningful lifelong investment strategy involves not only estate planning but effective tax planning as well. To address these needs, we've developed professional relationships with knowledgeable attorneys and CPA's to help with your overall planning. However, you may prefer that we work with your personal attorney and CPA. Although we have no problem with such an arrangement, our primary concern is that you receive professional, prudent and productive advise."

  • Q: Just exactly what is the risk-averse investing method you use?

    A: "We urge you to think in terms of "necessary" returns rather than just the highest returns. Using our risk-averse approach, we determine the maximum rate of return you need to achieve to meet the goals you value. Simply stated, we don't want to expose your money to any more risk than is absolutely necessary."

  • Q: What do you mean by "equitable division of assets" when working with family law attorneys and their clients?

    A: "Equitable doesn't necessarily mean equal or 50% each when dividing assets between parties of a divorce. Our analysis shows the whole picture in a simplified format to help identify the future value of all assets, including a realistic cash flow to expect for both parties."

In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account.

Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part II as well as the client agreement.