General Questions

  • How long have you been in business?

    Louis has been in the financial services business since 1988 working for various insurance companies and investment firms as a financial advisor. He started his own firm in 2015 with an established client base he built over the years.

  • How do you charge for your services?

    Financial Planning Fees: We charge an initial planning fee for new clients through our 2nd Opinion Service. We will provide ongoing support of the plan at no additional cost with a minimum investment amount of $500,000 with our firm. If a working client has most of their investable assets in company plans, we would continue to charge a financial planning fee until they could meet this minimum. Investment Fees: We charge an ongoing investment management fee to manage money as a percentage of assets which reduces based on our clients commitment.

  • Where are my assets held?

    LPL Financial is one of the nation's leading financial services companies and a publicly traded company under ticker symbol LPLA. The firm’s mission is rooted in the belief that objective financial guidance is a fundamental need for everyone. LPL does not offer proprietary investment products or engage in investment banking activities; this means advisors affiliated with LPL are not pressured or influenced by LPL to sell its products. Thousands of financial advisors nationwide are able to rely on the firm’s tools and resources to help them provide financial guidance and recommendations to help meet their clients’ needs.  For more information about LPL Financial, visit www.lpl.com.

  • How do you deliver financial planning advice?

    We believe a financial plan in a hard copy format becomes obsolete shortly after its printed. We provide each client with their own planning website that we can collaborate on together to deliver ongoing advice in real time.

  • How often will you update me?

    We provide a schedule for review appointments. These usually are in the spring and the fall. These meetings focus on retirement and estate planning plus an investment analysis. We also have another meeting in the summer which is more abbreviated. These can be done in person or by webinar. We have clients all over the country and we screen share quite frequently. In addition, we email timely information relating to markets or financial planning throughout the year.

  • Do you provide insurance services?

    Yes. We mostly see the need to review life insurance or long term care insurance needs based on our client demographics. In addition, we advise our clients on risk management techniques and will refer to outside agents for other personal insurance needs.

Protection and Privacy

  • What are the ways you can access my money?

    We can be authorized to transfer money to and from your bank, or from another firm where you have accounts. We have limited trading authority for each fee based investment advisory account according to your level of risk tolerance.

  • Do you operate as a fiduciary?

    We have a fiduciary responsibility managing fee based investment advisory accounts. This makes up most of our practice. The balance is commission based accounts that follow the SEC’s Regulation Best Interest rules.