What type of wealth management or financial planning do you perform?
We utilize a goals-based approach with our private clients. This means that we go through a 6-step process with our clients that includes: sitting down with you to discuss your concerns and questions, assessing your financial situation, evaluating your goals, creating a plan to pursue those goals, implementing the plan, then reviewing and monitoring our progress. When we review together at our follow-up meetings we will continually re-visit those goals to ensure we are on track.
How much money do I need to work with you?
Unfortunately we are not able to work with everyone because of the size and scope of our planning. We’d rather provide meaningful work to a few than unsatisfactory work to many and in order to do that we may need to turn away some people. Typically a person with $200,000+ in assets or annual income is at the point of requiring our services. We can review those that do not meet that criteria on a case-by-case basis.
Do I need to live in California to work with you?
You do not need to live in California to work with our firm. If you live in another state we can easily become registered in that state and have done so before for our clients. We can also setup skype or online meetings via video or teleconference in order to meet regularly.
What is the difference between a broker and a fiduciary and which one are you?
To understand the difference between a “broker” and a “fiduciary” please watch this video:
We are a considered a hybrid firm, meaning we can act in either capacity. In most instances we prefer to work with clients in a fiduciary relationship. We feel this is the best approach for goals-based financial planning.
How much do you typically charge for your services?
It depends on the complexity of your situation and/or the level of services provided. We prefer a fee-based relationship and normally charge an annual percentage based on assets managed. In some cases we may charge an annual retainer. All fees will be discussed and agreed upon when recommendations are made.
Have you ever been disciplined for any unlawful or unethical actions in your professional career?
Every financial advisor has a complete background and experience record provided by FINRA (the Financial Industry Regulatory Authority: an independent, non-governmental regulator for all securities firms doing business with the public in the United States). You can view mine here: