Working With Us
When initiating a new relationship it is our goal to have a consistent and repeatable process that includes the following:
Discover - We ask questions that reveal your core concerns and issues, your values, interests, goals, previous experiences with investing and money. We want to know as much as we can about your background, your business and personal situation, prior to beginning our official engagement.
Diagnose - By asking the right questions and getting to know you, we can then work together to identify and prioritize your financial goals, as well as reveal the financial risks to which you are exposed. Once your targets are identified we can then design strategies for hitting those targets.
Design - Using these inputs you give us, together with our diagnostic tools, we design both a big picture plan which includes an interactive Financial Plan and a customized Investment Policy Statement. Your Investment Policy Statement is invaluable for setting realistic goals, clarifying expectations, and providing documentation of what we have mutually agreed upon. As your goals are set and progress is made towards achieving them, you should gain a greater sense of confidence that each part of your financial life is in tune with your needs and objectives. Rather than produce a 1,000 page plan that will be obsolete in a year, we work together through each component of your wealth management plan on an interactive basis. The resulting plan is then easily updated and adjusted annually for the changes life brings.
Deliver - When working within an advisory fee-based relationship, your plan is then delivered and monitored on an ongoing basis. Your portfolio is managed proactively guided by your Investment Policy Statement. Your performance is measured quarterly against a benchmark that best fits your chosen asset allocation. This allows you to be able to measure the likelihood of reaching your goals.
In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part 2A as well as the client agreement. Services rendered will be dependent on applicable agreements.
