These are the answers to some of the questions people frequently ask when we first meet. It’s important to us that our clients stay well informed, as we strive to make their dreams a reality.
Do you follow the fiduciary standard or the suitability standard?
We are fiduciaries, which means we put your financial well-being ahead of our own. The suitability standard offers a lower standard offers a lower standard of care, one usually met by banks, brokerage firms and insurance companies. They receive compensation from a wide range of arrangements that can pose conflicts of interest.
How are you compensated? Do you have other product or service lines?
We are Fee-Only NAPFA-Registered Financial Advisors. That means we charge one fee for comprehensive advice. We don’t sell any products accept commissions or backdoor payments. Transparency is important to us, and there are no hidden fees. Our entire focus is concentrated on private wealth advisory service, so we don’t provide accounting, tax compliance or legal services. However, we do maintain contacts with other professionals our clients may use, and can provide referrals.
What sets you apart?
Since 1994, we have developed specialized skills in both investment management and financial planning. We have designed a method that integrates both into one seamless level of service. Today we continue to provide our clients with the clarity and confidence they need to feel secure about their financial futures.
Will you be there for me and my family in the future?
Continuity is part of our organizational structure. We have a succession plan in place to ensure our clients have ongoing service. Our staying power through the many ups and downs of the financial markets should assure you that we’ll be here to work with you for many years to come.
Are you an independent firm?
We are internally owned and not affiliated with any other organization. As a result, we are not beholden to any other company’s interest or agendas. This allows us to better align our interest with yours. Our independence also gives us the flexibility to make critical judgments tailored to your personal situation. Perhaps most importantly, we can seek the most cost-effective investment vehicles from a full array of available options.
What is your investment approach?
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Can you provide client references?
Yes, if you are in the final stages of your due diligence, we have clients who will share their experiences with you. We ask those whose circumstances are similar to yours if they are available to talk to you. Every client of our firm is assured that we guard their identity and private information with the utmost care, confidentiality, and discretion.