Our Client Commitment
- I will always place your best interest before my own
- I will take time to understand your personal values and your family dynamics
- I will help you to develop financial goals
- I will always complete an analysis prior to making a recommendation
- I will help you create a plan for your retirement
- I will identify how much you need to save
- I will provide access to many types of retirement accounts to use (IRA, Roth, 401 (k), etc.)
- I will advise on the most effective distribution strategy
- I will communicate any risks and disclose any potential conflicts
- I will help you create a timeline
- I will understand your risk tolerance and expected rate of return
- I will determine the proper asset mix
- I will help you decide which investments to own in non-retirement accounts
- I will help you coordinate all aspects of your financial decisions, not just investments
- I will manage an emergency fund
- I will meet with you 1-4 times annually to review your strategy based on your preference
- I will stay in touch with you and provide you advice in good economic times and bad
- I will provide you with a “state of the art” personal financial website (where appropriate)
- I will coordinate your plan with your other advisors to include attorney and accountant
- I will look for ways to reduce taxable income
- I will explore changes that might improve your tax situation
- I will help you understand taxes incurred when you buy or sell investments
- I will help you understand insurance— what type and how much (including life, long-term care, disability, and even property, casualty, and health insurance)
- I will be a resource for you to ask questions about: leasing an automobile versus buying, mortgage refinancing, cash management, commercial financing/lending, vacation property evaluation , etc.
- I will provide multi-generational planning and advice to your heirs
- I will continue my own education to ensure I continue to stay informed with changes to laws, taxation and product changes that could have an impact on your financial success.
