We are compensated for our services in two ways. First, many of our clients have a portion of their assets invested in a managed account. Our managed accounts are charged an annual fee for service that is deducted from the investment account on a quarterly basis. We would be happy to discuss this compensation model with you and provide you our fee schedule.
We may also recommend products that provide compensation to our firm based on a commission schedule. In this situation, we are compensated by the product company. You will never be asked to pay a management fee related to a commissionable product.
Finally, we practice full disclosure. We will discuss each product recommendation with you in detail and thoroughly explain the costs and benefits of each. Then, we will help you determine the most suitable solution for your unique situation.
We believe in communicating often and in multiple ways. Our clients receive a Weekly Market Commentary by email, Monthly Email Newsletter, printed quarterly consolidated reports, other printed client communications. We are here for you whenever you need us. You can call or e-mail us anytime, and we can schedule a meeting whenever you have an issue that you would like to discuss in person. The first year we work with you we typically meet at least three or four times. During second and subsequent years we will always try to schedule at least one meeting per year to revisit your financial plan. We will also call or e-mail you anytime we think there is action you need to take, either in response to changes in the investment climate or due to changes in your particular investment holdings. If we provide investment management services for you, you will also receive periodic investment reports from us. You'll receive monthly or quarterly statements from your account custodian, plus comprehensive quarterly reports from us.
Absolutely.You are entrusting us with very valuable and personal information, and we take that responsibility very seriously. We don't disclose any information about you to anyone without your permission.