We do not use a one size fits all approach. Everyone has different goals. Your situation is unique and we treat it that way.
People come to see us for a variety of reasons. Some want to do something as simple as set up a savings account. Others want advice in a particular area. For example, saving for education. In situations as straight forward as this, we'll confirm the need, assess your current status, determine your attitude towards risk and make an appropriate recommendation based on your time horizon. Easy, simple and painless. We will not waste your time nor ours in areas where you have no need or interest.
On the other hand, others are looking for help with their overall investment needs, insurance needs, or both, and want to be guided through that process. This is a more in depth process. We begin that process together with a private, confidential review of your situation. We'll look at your current investment and insurance holdings in detail and focus on what you want to accomplish. Based on this review, we'll develop a customized strategy designed to achieve your goals. Part of this process will be to fully explain all of the recommendations, and how they fit into your overall plan.
Though you'll determine the frequency of face to face meetings, we suggest that we try to meet annually to review your situation and stay on track.
People come to see us for a variety of reasons. Some want to do something as simple as set up a savings account. Others want advice in a particular area. For example, saving for education. In situations as straight forward as this, we'll confirm the need, assess your current status, determine your attitude towards risk and make an appropriate recommendation based on your time horizon. Easy, simple and painless. We will not waste your time nor ours in areas where you have no need or interest.
On the other hand, others are looking for help with their overall investment needs, insurance needs, or both, and want to be guided through that process. This is a more in depth process. We begin that process together with a private, confidential review of your situation. We'll look at your current investment and insurance holdings in detail and focus on what you want to accomplish. Based on this review, we'll develop a customized strategy designed to achieve your goals. Part of this process will be to fully explain all of the recommendations, and how they fit into your overall plan.
Though you'll determine the frequency of face to face meetings, we suggest that we try to meet annually to review your situation and stay on track.
How do we get paid?
We share in the dealer fee (see below) as compensation for managing investment allocations suitable to you as our investor. We also provide planning services with no additional costs. Our objective always, is to provide value for fees.
Mutual funds include portfolio management fees (.5% to 1.25%), administrative fees (.1% to 0.25%) and dealer fees (from .5% to 1.25%). These are the estimated percentages based on the portfolio value. The typical all-in fees are approximately 2% annually. Refer to "Fund Facts" for more information.
We share in the dealer fee (see below) as compensation for managing investment allocations suitable to you as our investor. We also provide planning services with no additional costs. Our objective always, is to provide value for fees.
Mutual funds include portfolio management fees (.5% to 1.25%), administrative fees (.1% to 0.25%) and dealer fees (from .5% to 1.25%). These are the estimated percentages based on the portfolio value. The typical all-in fees are approximately 2% annually. Refer to "Fund Facts" for more information.
