"If you don't know where you are going, you might wind up someplace else." -Yogi Berra

Why did you become a financial advisor?

I have a passion for helping people, monitoring the gyrations of financial markets, global news and problem solving.  I do not have a passion for paperwork, so I have 4 out of 5 the qualities you need to be a good financial advisor.  

What software do you use to help our clients?

We use eMoney to power our client portal.  They offer us the ability to provide financial planning and consulting services.  With their software, we can provide additional services with no additional charge for account integrations, spending analysis, an electronic document vault, planning calculators and more.

How are you compensated?

How the client relationship is structured determines the compensation.  Fiduciary accounts charge a quarterly fee for active guidance while commissionable accounts are determined by the custodian or insurance company where they are held.  Financial planning or consulting fees are based on the complexity of each case.  All fees and commissions are disclosed before any account or agreement begins.

What is a fiduciary account?

Fiduciary accounts are actively managed based on our client's needs with investment decisions driven by the advisor.  To keep updated on changes to our clients' needs and update on portfolio changes, we schedule semiannual reviews in May/June and November/December.

Do you charge for an initial consultation?

No.  I do not charge for the initial meeting, review of the facts and my presentation of how I can help.

Can you provide advice on my 401K with my employer?

Yes, we can setup a financial consulting agreement.

Do you plan to retire soon?

No.  In the future, we will start to bring more people into our business, but we are happy with the family feel we provide and we are reluctant to change that for now.