Broker Check

Value and Fees

Financial Planning:

I am a Certified Financial Planner™ and financial planning is a core service that I provide for clients. My goal is to:

  • Provide confidence knowing that you have a documented financial plan for approaching every aspect of your finances. This allows you to focus your attention on other parts of your life like your career, your family and friends, your community, or your hobbies
  • Strive to be a trusted partner, with the experience and knowledge to guide your financial decisions. Someone who knows you, and helps you identify, clarify, and prioritize your goals including retirement, college savings, reducing debt, a home purchase, preparing for an unforeseen event, creating a budget, or maximizing your employer-provided benefits
  • Determine if you are on track in saving for your goals. Determine where you stand and what you can realistically achieve
  • Provide education and advice on financial topics. 
  • Refer you to other competent professionals such as an accountant or attorney when appropriate
  • Update your financial plan annually
  • Cost: $2500

 

Investment Management and Financial Consultation

A second core service that I provide for clients is to help them with their investments on an ongoing basis.  I attempt to provide confidence by selecting investments that complement your financial plan and are appropriate for your goals and risk tolerance.

  • Identify and quantify your risk tolerance
  • Determine and implement an appropriate mix of stocks, bonds, and cash tailored to your risk tolerance and time frame
  • Find high quality, low cost, tax efficient investments
  • Tactical investment approach attempting to overweight asset classes doing better and underweight or avoid asset classes doing worse
  • Monitor and rebalance your investments
  • Help prevent you from making emotional mistakes and poor financial decisions
  • Annual Cost: Flat fee based on 1% of assets managed.  The fee is reduced to 0.7% annually for assets over $700,000.  The fee is reduced to 0.5% annually for assets over $2 million.  The cost of financial planning is waived.

 

Prompt Ongoing Service

  • Proactively contact you for periodic reviews
  • Meet with you throughout the year to update your plan and investments, address questions, and provide ongoing advice
  • Promptly respond to your calls, questions, and emails
  • Meet with your accountant and attorney to coordinate planning and implementation
  • Weekly blog posts to keep you updated on the market
  • Educational articles posted to Facebook and LinkedIn

Values

I have a fiduciary duty to my clients which means that I am held to the highest standard of care when advising you about your finances. I strive to uphold the following principles

  • Integrity
  • Objectivity
  • Competence
  • Fairness
  • Confidentiality
  • Professionalism
  • Diligence

All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. Past performance is not an indication or guarantee of future results.