FAQ

We primarily take a Rules and Index based approach as a core to a clients portfolio. We will use Active management as a satellite where we see the potential for long term value. Here is a link for a more detailed  description. Investment Strategies

Financial Planning Fees: We charge an initial planning fee of $1,000.00 for 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. Investment Fees: We charge an ongoing investment management fee to manage money as a percentage of assets which reduces based on our clients commitment.

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 independent 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.

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.

We provide a schedule for review appointments. These usually are in the spring and the fall. These meetings focus on retirement, tax planning plus an investment analysis. These can be done in person or by a zoom call. We have clients all over the country and video conference frequently. In addition, we email timely information relating to markets or financial planning throughout the year.

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.

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.

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

We follow both LPL Financials and Private Advisor Groups privacy policy. These can be furnished at your request.