Commonly Asked Questions

Where Does My Money Go When I Invest
Do You Work Alone
Is the Financial Planning Process Complicated
What If My Spouse and I Disagree
Can I Still Control My Own Finances?
Are Financial Services Expensive?
What If I'm Too Busy to Work with a Financial Planner?
Can I Do This Myself?

Where does my money go when I invest?

We do not take custody of any client assets. Client investments and money funds are securely held by an independent third-party custodian, which provides online client access and monthly custodian statements. We work with many different custodians depending on which Third-Party Managers we utilize for the portfolios, including National Financial Services, LLC a Fidelity Investments company.

Do you work alone?

One is too small a number to achieve greatness, which is why I have partnered with and am securities licensed through Calton and Associates, one of the largest independent broker/dealers in the nation and dedicated to serving the operational needs of the independent advisors. Through Calton and Associates I am able to provide the services of highly qualified institutional Third Party Managers to add depth and breadth to the investment process. Calton provides me with the resources, technology and back-office support that I need to effectively manage my business, enabling me to dedicate the majority of my time to serving clients with passion, integrity, and a commitment to excellence.

Is the financial planning process complicated?

Each financial plan is tailored to the needs of the individual, so how complicated the process will be depends on your individual circumstances. But no matter what type of help you need, I will work hard to make the process as easy as possible, and will gladly answer all of your questions.

What if my spouse and I disagree?

A financial professional is trained to listen to your concerns, identify any underlying issues, and help you find common ground. Believe me, this is very common.

Can I still control my own finances?

Financial advisors make recommendations, not decisions. You retain control over your finances. Recommendations will be based on your individual needs, values, goals, and time frames. You decide which recommendations to follow, and then I will work with you to implement them as I do not maintain discretionary authority for any accounts.

Are your financial services expensive?

I dont think so. While fee-for-service is commonplace working with accountants and attorneys, for many it is a new experience to consider paying a service fee for financial planning services. Therefore, it is important to consider the value that an experienced advisor can bring to your life and financial strategy. Fee-based advisors are able to offer unbiased, objective advice that is not tied to the sale of any particular product, and all costs are fully transparent. And because I am an independent rep, I can and usually do charge a little less than reps employed by large brokerage firms. 

What if I'm too busy to work with a financial planner?

Don't wait until you're in the midst of a financial crisis before beginning the planning process. The sooner you start, the more options you may have.

Can I do this myself?

The answer is that you can, if you have enough time and knowledge, but do you really want to? Do you understand the risk levels in your investment portfolio? Are you comfortable choosing financial products? Additionally, certain investments may only be offered through a licensed financial advisor.

You must also ask yourself whether you have the discipline to develop a specific strategy and stick to it, as well as the time required to do it right. What is the opportunity cost? Could you be using that time to be moving closer to your goals and what is most important to you? An experienced advisor can provide an outside perspective to help you see things more clearly, provide a level of accountability, and save you time by ensuring that all angles of your financial picture are covered.

If you think you might like to partner with a financial professional to help you develop a strategy based on your values, coordinate the management of your investments, insurance and other financial vehicles to work together for your benefit, and free your time to focus on what's truly important to you, then working with an experienced advisor makes a lot of sense.