The devil's in the details" is a phrase we've all heard. We believe rolling up our sleeves and digging for small differences add up to big savings over your lifetime when making financial decisions. We have a well thought out process which fosters this level of analysis as long as your our client. We are a boutique firm purposely focused on a specific client niche. The daily repetitive nature of their financial issues and challenges makes us positioned as a wealth management firm of choice.
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.
Financial Planning Fees: We charge a fee for new clients based on time and complexity to build a financial plan. 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 charge a modest financial planning fee until they could meet this requirement. 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 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.
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 do not have one. We are more concerned with serving our focused client niche which consists of managers and executives at public companies that will eventually become retirees.
We provide a schedule for review appointments. These usually last one hour and are very extensive. These can be done in person or by webinar. We have clients all over the country and we screen share quite frequently. We have shorter telephone calls (Check In Calls) between review appointments for a personal update that is like a summary. In addition, we issue a brief Weekly Market Commentary every Monday by email to keep our clients updated with topical information.
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
The LPL Financial SIPC Membership provides account protection up to a
maximum of $500,000 per customer, of which $250,000 may be claims for cash.
An explanatory brochure is available at www.sipc.org.
Additionally, through London Insurers, LPL Financial accounts have additional
securities protection to cover the net equity of customer accounts up to an overall
aggregate firm limit of $575,000,000 subject to conditions and limitations.
The account protection applies when an SIPC member firm fails financially and is
unable to meet obligations to securities clients, but it does not protect against
losses from the rise and fall in the market value of investments.
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 are commission based accounts that follow suitability rules. These rules are currently being addressed by the Department of Labor to create a more uniformed process of transparency for clients.