What services do you provide?   We provide financial planning and asset management services for individuals, and benefit programs for business owners.

Do you offer a free initial consultation?   Yes.  We offer a free one hour consultation.

What is your fee structure?  We have both fee based management and commission products so that we are able to do a complete program for our clients. Many programs such as Long Term Care are commission based. Investments are both commission and fee based depending on what is best for the client.

Can you help me with my 401(k)?   We can review the investment choices from a 401(k) plan and make recommendations based on the client’s overall asset allocation. We also work with companies on their 401(k) programs with design and ongoing management.

 
Can I offer a different retirement plan other than a 401(k)? Yes, we offer a range of retirement plans including SIMPLE, SEP and ROTH IRAs and 403(b).

Why do I need a financial plan?   A financial plan acts as roadmap for a person’s financial future. This roadmap helps a person understand how to invest and how much to save in order to reach their financial goals and objectives. A professional planner has a variety of tools to put together a complete program using both risk and guaranteed programs.

Do you have a minimum account balance?   No.  Our fee based management requires a minimum of $25,000. If you have less than this amount, we will generally use mutual funds. We have many options in order to help every client.

How often do I receive reports?   Clients receive quarterly reports on most of their investment programs.  Reports on our fee based managed accounts are online and can be reviewed at the clients’ convenience.  In addition, clients receive monthly brokerage statements from Pershing if there is any activity, or quarterly if there is no activity.

How often do you meet with clients?   We meet with clients as they feel the need. Some client come in anually, and others come in as often as every quarter. That decision is for the client to decide.

Do I have to meet with you at your office?   No, we can meet at your house or business if you prefer.

What size and types of businesses do you work with? We work with businesses that range from 1 (owner only) to businesses with 100+ employees. The types of businesses we work with include S Corporation, C Corporation, LLC, Partnership and Sole Proprietors.