Becoming A Client
Our clients have varied goals and we present an holistic approach to providing solutions. Every client relationship is unique. We have a team of advisors and support staff prepared to analyze the client’s needs and circumstances across the financial spectrum offering our clients experience, discipline and trust.
A family’s goals can be multidimensional and this requires professional experience in order to navigate the many issues that families face when making financial and wealth management decisions. It is more than just about money but includes support, lifestyle and legacy. The whole family becomes our client.
For many business owners, the most significant risk they have taken during their lives has been to start or purchase a business. Their personal finances are often deeply connected to their business affairs. As business owners ourselves, we understand the challenges that are involved in creating and maintaining a successful business. Our experience allows us to work with business owners and analyze their opportunities, risks and succession plans. Cash-flow, debt management and company retirement plans are important factors.
Philanthropic and non-profit institutions rely on high fiduciary standards from the financial professionals they work with. We work with institutions to develop, implement and monitor an investment policy that is aligned with their goals and objectives. Our investment selection process is built with any specific considerations that our clients wish to include in their portfolio design. We are also prepared to act as an intermediary for donations and endowments.
1. Initial Meeting
There is no charge for this meeting. It is primarily an opportunity for you and us to learn about each other and see if our services are a good fit for you and/or your family. We prefer that you fill out a Financial Questionnaire prior to this meeting in order to facilitate the discussion and allow us to have the most productive meeting possible.
If you would like to move forward we will present a contract to you, which allows for our ongoing management of your portfolio. At this time, we will open appropriate TD Ameritrade accounts in your name.
3. Investment Analysis
We will analyze your current investments and create a Portfolio Rebalancing Report. Our investment team will develop the initial asset allocation so that the Portfolio Rebalancing Report will show you the initial growth and income positions that will target your investment capital.
4. Additional Data Gathering
If necessary, we will provide a list of items we need so that your Financial Plan can commence. It will take approximately 4-8 weeks to complete your plan from this point.
5. Financial Plan Readout
After your Financial Plan has been completed, you will come in for a “Financial Plan Readout” to review your plan and ask any questions. Prioritized action items are included in the plan.
6. Ongoing Reviews
We will review your investments quarterly and will recommend and execute changes in your investment allocation. On an annual basis we will review the progress on recommendations in your Financial Plan and discuss any new goals or circumstances that may warrant the updating of your Financial Plan.
Frequently Asked Questions
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