Our first two meetings are always complimentary.
Our first meeting is typically fairly casual and lighthearted as we get to know you on a personal level and learn which areas of your financial life may need our assistance. We hope to build an understanding of how your past experiences have shaped your view of investing and retirement planning.
After gathering your relevant information, we build what we refer to as an “Initial Case Analysis”.
Our second meeting is to review and explain your complimentary Initial Case Analysis. Our advisors will highlight the strengths and weaknesses of your financial life as it currently stands. The Initial Case Analysis will walk you through your net worth statement, discuss potential pitfalls and planning opportunities, and touch on how we may be able to improve your situation. If you are in or nearing retirement, we will present current retirement projections and discuss potential adjustments we feel are in your best interest.
Our team does not believe in high-pressure sales tactics and wants your decision to engage us to be made on your terms. In the week(s) to follow, if you choose to move forward, our fee arrangements are as follows:
This is a tiered fee schedule meaning the entire portfolio is charged the same asset management fee. Accounts within the same household may be combined for a reduced fee. Fees are billed quarterly in arrears based on the value of assets managed as of the close of business on the last business day of each quarter.
We offer to build one-time comprehensive financial plans at an hourly rate of $250. These plans provide a detailed analysis of your cash flow, investment portfolios, insurance coverage, tax planning, basic estate planning, college funding plans, and long term retirement projections.
Frequently Asked Questions
What is a fiduciary and what is the importance of the term?
A fiduciary is, "One who acts in utmost good faith, in a manner he or she reasonably believes to be in the best interest of the client." - CFP Board
Why should I use a financial planner?
In our opinion, the financial planning profession exists because of the many complex financial decisions that individuals and families face. A competent advisor can help guide you through certain tax and financial planning opportunities that may be challenging to recognize. These opportunities, when paired with a sound investment plan, can lead to a peace of mind that may be difficult to achieve without the help of a professional.
How many meetings should I expect to have before becoming a client?
On average we meet with prospective clients four to six times before a decision is made. Before proposing a plan, we want to ensure that we have a complete understanding of your financial situation, your expectations, and that we are the right fit for one another.
How long will it take my accounts to transfer to Oceanside?
TD Ameritrade Clearing, Inc. (“TD Ameritrade”) is the firm that we use to custody our client assets. It typically takes 3-14 days once the paperwork is submitted.
How do I become a client?
You can get started here.