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  • Banner FAQ

    Frequently Asked Questions

    Answering your common questions and concerns


How Do I Know If We Are a Good Fit?

Sometimes it isn't enough to find a knowledgeable, well-accredited and experienced advisor. That just isn't enough for a successful working relationship.

In dealing with matters as potentially intimate and sensitive as personal finances, it's also very important to find someone that you feel comfortable speaking with and with whom you can be open and honest about not only "the numbers", but your hopes, family, dreams, fears, uncertainties, and future. We acknowledge what is important to you and respect your values and choices.

We take the time to listen and gain a clear understanding of your situation, then work together to develop a plan that can help you achieve your goals. When necessary, we will confront you with inconvenient or uncomfortable truths. Knowledge is power and we will provide you with the information and tools to ensure your success. Your best interest is our main goal.

You will be provided with a written agreement laying out the important terms of our work together, so there is no confusion or misunderstanding.

What is your investment philosophy?

We create customized investment portfolios based on a conservative investment philosophy. We utilize only dividend-paying stocks with a history of regularly growing dividends and corporate bonds. Our focus is on income generating blue chip value investments that consistently outperform the market with less risk.

What type of clients typically benefit the most from working with your firm?

We work with serious investors focused on achieving consistently better tax efficient returns with predictable and sustainable results. Our typical client has in excess $500,000.00 investable assets with a focus on sustainable retirement.

Is there a minimum account size to do business with your firm?

Yes. In order to properly build a customized portfolio, a minimum of $300,000.00 of family assets is required.

What does the term “independent Financial Advisor” mean?

Independent Financial Advisor can separate his/her advice from the sale of any products. There are no conflicts caused by a dealership grid compensation payout model and the advisor is free of any institutional biases (like bank or brokerage companies). Advisor’s compensation is not tied to any sales numbers. The advisor offers the best solutions for each individual client based on their unique situation.

How are you compensated?

Independent Financial Advisor can separate his/her advice from the sale of any products. There are no conflicts caused by compensation grid payout and the advisor is free of any institutional biases. Advisor’s compensation is not tied to any sales numbers. The advisor offers the best solutions for each individual client based on their unique situation.

In a world full of confusing advertising, products and services that all look very similar, what makes you different from the banks and others?

First we start by learning about you one on one. Things like, your needs, goals, time horizon, comfort level and previous experiences. We then help you to clarify your current situation and review how you got there. We identify potential problems and opportunities.

We educate you on the pros and cons of the many investment products available. We review things like risk, liquidity, tax efficiency and true cost. Once you have this information you are in a better position to implement the appropriate strategies designed to achieve your specific goals. The plan does not stop once your investments are made. We continue to help you on an ongoing basis. We review and update your plan regularly to ensure you are on track to achieve your goals in the timeline you established.

Are you available to work with me after business hours?

Absolutely. We offer flexible meeting times and locations to best recognize your individual needs and unique situation.

How often will you be meeting with me?

Our services are customized to meet the individual needs of each client. You will enjoy face-to-face meetings at a time and place that is convenient for you. You will meet with your financial advisor minimum once a year face – to – face and more often if your situation requires it.

How transparent and flexible are you in terms of fees?

When working with us you will have a clear understanding of all fees that you pay and what you receive for the money you spend. You have a right to know exactly what you are paying for both advice from your advisor and portfolio management.

Each client’s fees are negotiated based on the size of the portfolio and their specific needs.

Our compensation is not tied to any commission generated from the sale of any investment products. This allows you to pay fairly for the value of the advice and service you actually receive.

Do I really need a Financial Planner?

For many people the world of finance is a confusing place. Ask yourself these questions:
  • Do you have the time and desire to sort through all the information and opportunities out there? Do you understand how those opportunities can apply to your situation?
  • Can you keep up with changes to income taxes, investment products, estate laws, etc.?
  • Are you receiving conflicting advice from different sources? Is your bank representative telling you something different from your insurance agent or tax preparer?
  • How do you find out what is "right" for you?
  • Are you unsure of where to invest? Do you want a higher return but do not want to take higher risk? What return do you need to meet your individual goals? We will provide independent and objective advice to put you on the right track to achieve your individual goals. You will know whether you are on the right track or how to get back on track.

Our clients have the peace of mind knowing that they are doing all the right things given their situation.

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Office Hours

Monday - Friday
9:00 am - 5:00 pm

Evening Appointments Available: Meetings available at place that is convenient for you.