I offer a full range of financial planning services including retirement planning, tax planning, education planning, estate planning, goal planning, Investment Advisory, debt reduction, cash flow management and budgeting, insurance analysis, and real estate investment analysis.
Life can change rapidly and a one-time comprehensive written financial plan can quickly become obsolete. My approach to financial planning is to be flexible. Therefore I provide comprehensive financial planning services however on an ongoing basis instead of a single analysis. Advice will be given both verbally and in writing.
Does your financial planning service include recommendations for specific investments or investment products?
Recommendations during the course of providing financial planning advice will generally include certain types of investment vehicles and products. I do not offer specific investment recommendations for the reason that my advice could be misinterpreted and/or implemented incorrectly. It is my professional opinion that selecting and managing an investment portfolio includes much more than the average person is qualified by education and tools to handle. In addition, unless I am actively managing the account then I cannot monitor changes or be sure my advice was carried out correctly.
Yes. My financial planning services are designed to help with the implementation of recommendations on an ongoing basis and well as hourly.
Do you offer continuous, on-going advice regarding my financial affairs, including advice on non-investment related financial issues?
Yes. Comprehensive financial planning clients will receive unlimited consultations and advice on all financial matters. My goal is to help my clients achieve their goals and have a better quality of life. Any matters that are beyond the scope of my expertise will be referred to a specialist.
No. I never have direct access to your funds. Any assets in which management services are provided will be held at an appropriate third party custodian. I provide the instruction necessary for the investment management service to the custodian who then implements my direction.
If you were to provide me on-going investment advisory services, do you require "discretionary” trading authority over my investment accounts?
When hired to provide Investment Advisory services, clients will need to authorize the discretionary authority to make changes within pre-agreed parameters.