Who will I be working with?
You may be working with only one advisor or a team of advisors. Ask who you’ll be in touch with on an ongoing basis and if your advisor works with any other professionals, such as insurance agents and attorneys.
What services do you provide clients?
The services that a financial advisor can offer are determined by the expertise they have and any licenses or credentials they hold. Make sure the services your financial advisor offers align with your needs and aren’t one-dimensional (i.e. only sells insurance products).
- Long-term investing strategy
- Weigh the pros and cons of different account types
- Pick mutual funds
- Rebalance your investing portfolio
- Set savings benchmarks to help you reach your long-term goals.
- Comprehensive financial planning around retirement, insurance, estate planning and tax planning
Are you a “fee-only financial advisor”? How do you get paid, and how much do you charge?
We have distinct fee-only accounts and commission-only accounts. It depends on the investor’s needs.
Are you a fiduciary?
A fiduciary is a person who has to place the client’s interest ahead of his or her own. Fiduciaries must also disclose what their fees are, how they’re compensated and any other conflicts or potential conflicts of interest that might influence an individual's decision to use their services. In contrast, non-fiduciary financial advisors might receive a commission in exchange for selling you a particular investment that isn’t the best for you – and not tell you how they’ve profited from it.
We are conscientious of fees, stated goals, risk, and suitability.