The first question clients need to ask is, "How do I choose the right financial adviser?" Anyone can advertise themselves as a "financial advisor" but that does not necessarily indicate education, certification, or experience.

Here are the most frequently asked questions we receive from our prospective clients:

• What is your approach to providing financial advice to your clients?

We are client-centric and devoted to cultivating long-term relationships with our clients. We take our role as Financial Planners seriously and are committed to serving the best interest of our clients at all times. We are not just investment managers- "brokers". We are advisors who seek to be integral to your financial life.

• Why Work with a Fiduciary?

By definition, a fiduciary is an individual ethically bound to act in another’s best interest. Fiduciary advisors have to always put their clients’ best interests first and avoid conflicts of interest. We believe it should be the only way to engage with financial professionals.

• What kind of process do you follow in managing my investments?

We provide rigorous analysis to develop effective investment strategies and monitor these investments regularly to help attain expected performance. Investments are determined in conjunction with your other important financial goals.

• What makes you different from other advisers?

Our intention is to improve our client’s lives and provide peace of mind surrounding their whole financial picture by educating & guiding them toward their goals and priorities. The commitment to our clients is to ensure we fully understand the whole picture, for you & your family. We want to understand your priorities and make certain we are getting it right with respect to the things you value.

To do that we spend the time necessary to guarantee we fully understand those priorities & values most important to you and your family. Equally important, the things you don’t want to happen.  From there, we focus our energy and expertise to identify opportunities, provide insights, and guidance around the decisions and issues that are most significant for you to address.

Finally, we will track your family’s station in life on an ongoing basis systematically & establish a communication plan that aligns with your preferences, allowing everyone to remain on the same page. It may sound clichéd, but for us it is the hallmark of what we do: knowledge is power. 

• What aspects of my financial life can I expect you to assist with?

All aspects of your financial life that you are concerned with matter to us and will be discussed in the course of our meetings and discussions.

• Do you work with other professionals? If so, how?

We maintain a network of highly trained and respected professionals who we can refer to for their subject matter expertise in associated areas such as tax planning, estate planning, business legal matters, liability insurance etc. These relationships are strictly professional and are not compensated by any fee sharing arrangements.

• Are you available to answer my questions whenever I have them? If so, will I be billed?

We maintain a highly accessible business practice. You can expect to reach us whenever you need assistance and, under normal circumstances, the fee paid in managing your account covers everything.

• How often can I expect to hear from you, and when?

Mostly, this is up to you. We like to maintain regular meetings of approximately 2-4 times a year to review your situation. In cases where you desire less frequent meetings we will accommodate your request but ask that we meet no less frequently than annually. If more frequent meeting are desired, that is never a problem.

• How are you compensated?

We operate under a hybrid compensation model. Mostly we are compensated as a percent of the assets we manage for our clients. However, where it is in the client's best interest to have us compensated by commission instead of an ongoing fee we will bring this option to the client's attention and discuss the pros and cons thoroughly. We build a lifetime comprehensive plan from your goals, not with a particular investment model or product.

• Do you have a minimum investment requirement?

In order to provide the best possible service to each of our clients, we normally ask a minimum investment account of $250K. If you can’t meet that minimum, please feel free to contact us anyway and we will do our best to ensure your financial questions and concerns are addressed. Many individuals without significant accumulation of assets would benefit from undertaking a comprehensive financial plan and it is our mission to help as many people as possible achieve this important step. If we feel we can't help you we will provide the name of another qualified advisor.