No, our primary aim during our first meeting is to understand you and your priorities. During this session, we outline our approach and discuss our fee structure. Together, we'll determine if we're a good fit for one another.

Our minimum investment for new clients is set at $500,000 to ensure we can provide them with the highest level of service. However, there are certain circumstances in which we may waive this requirement for existing clients' family or friends.

Collaborating with a team brings a wealth of advantages. With a team, you benefit from a diverse range of expertise and perspectives, ensuring comprehensive financial planning tailored to your unique needs. Additionally, a team offers greater availability and support, with multiple professionals available to assist you, enhancing responsiveness and coverage.

Many families have five disconnected plans, each led by different leaders. The estate plan is overseen by the attorney, the tax plan by a CPA, insurance by an insurance agent, investment planning by an investment advisor, and income planning often becomes a battleground between the investment advisor and insurance professional. While some financial professionals handle both insurance and investments, as well as income planning, these areas are frequently treated separately, with decisions made without considering their interconnections.

A Certified Financial Planner recognizes that these five segments are interconnected, and decisions made in one segment can significantly impact the others. It's our responsibility as CFP®s to work with you in a collaborative relationship, ensuring that decisions made in each category are coordinated and aligned with your overall financial goals and objectives.

We adopt a hybrid approach, incorporating both fee-based planning and insurance solutions into our strategy. This allows us to mitigate risk effectively by leveraging the capabilities of insurance companies, which can assume certain risks on your behalf and help fill potential gaps in your financial plan. Our aim is to provide comprehensive solutions that not only address your current needs but also safeguard your financial future.

While low-cost providers offer attractive fee structures, they may not encompass all the essential services you require, such as localized servicing or personalized, face-to-face investment insights. In crucial moments, like market downturns, they might not offer the coaching and reminders necessary to stay aligned with your long-term goals and overall financial plan. Moreover, lacking insight into your unique family goals, they may struggle to provide tailored recommendations. These providers often fall short in delving into your specific financial circumstances to offer customized advice or comprehensive tax planning. Additionally, they may overlook future needs and estate planning considerations, leaving gaps in your financial strategy. Investing with them could mean missing out on invaluable expertise and support that could safeguard and optimize your financial future.

We suggest meeting at least once annually. Even if you perceive no changes in your circumstances, there could be updates in tax laws or regulations that impact you, or we may uncover strategies to benefit you. For clients with more complex financial plans, meeting two to four times a year may be advisable to swiftly incorporate any necessary adjustments.