What can a wealth advisor do that I can’t do for myself? Why should I consider making a change now?
Being capable enough to manage any challenge is both a learned and honed skill, but some decisions can benefit from perspective.
I save for retirement, my investments have grown, I'm already succeeding.
Your life is fueled by your income. Your financial decisions have been based on making smart money moves. The question you might consider today is whether or not you are on financial “cruise control”. Things are constantly changing and not taking into account recent legislative changes that have created new tax opportunities, or changes in financial services have created new strategies that could benefit you are worth being made aware of. It’s our duty as wealth advisors to stay current with changes in the financial landscape. We serve our clients in a fiduciary capacity, constantly examining what is in your best interests, both as your life evolves, and as favorable short and long-term strategies emerge.
Why would I pay for financial advice that I can research myself?
Google can’t give you the right answer if you ask the wrong question. There are numerous citations in publications on the web to quantify the value of wealth advisors. As wealth advisors, our practice specializes in the tax implications of investments, wealth management, and business planning, we identify opportunities by finding gaps in efficiencies, and implementing unique approaches to financial considerations, adding evident value to your outcomes.
I am not interested in being told how to spend, invest and save.
In the most traditional sense, most wealth advisors want to save their clients from themselves. Spending habits, risky investments, and a limiting lifestyle for a potentially “safe” retirement have been the norm. Your goals matter, your path is the variable. We believe in supporting your interests and goals by finding the path that speaks to you. We are the navigators, you are the driver.
I don't see how a wealth advisor can make me more money in the long run.
Seemingly insignificant, incremental changes can impact your long-term financial outcome just with a single adjustment to what you are already doing, often at no sacrifice of cost. There are numerous things you can do to make smart money decisions. Our focus on tax implications alone can reduce your tax drag, reducing taxable income, as well as capital gains. These factors impact outcomes year after year. As wealth advisors, our goal is to support you by identifying your opportunities, these are where our greatest value resides.
My life is busy, between the needs of my kids and parents, I don't have time for this.
You represent the “sandwich generation”. You may still have kids in the house, or even if they’re already out, you might still be helping them establish their lives. At the same time, your parents are at an age where you find yourself needing to make time for them because they are not as capable as they once were. There is only value in what you decide is worth your time and effort. Working with a wealth advisor worthy of your trust can make a lifelong impact. We can help lend perspective to what you are going through, as your circumstances may likely share some similarities to those that we have helped other clients through.
If you choose to work with anyone for financial advice, make it on your terms, addressing your needs, and access the value you can gain (even in the first few conversations) by trusting your instincts that their interests are in your favor, not their own.
How Would This Work?
Generally, as all meaningful things do, it all begins with a conversation. In that conversation, you can expect to be asked about what and who matters to you, what your goals look like today and tomorrow, and how and what you think about money. As wealth advisors, we lend some expertise and perspective, and you decide if there is value in exploring further conversations.
Our clients earn high five figures, through high six and seven-figure incomes. Some are starting out while others are enjoying closing their lives after successful working careers. Many of our clients work for great companies and many run great companies. What we have learned by being privileged to work with our clients, is that no two are the same and that each lends a unique perspective that benefits others.
We approach each new client relationship with a commitment to creating value in our interactions, no preconceived notions, and no preset, cookie-cutter strategies. We also won’t tell you that you should sacrifice your lifestyle today for a better one tomorrow. What matters to you is at the center of our perspective.
You Decide How We Work Together
Flexible options to engage in financial advice in the way you prefer
You may have done a great job developing and maintaining your financial portfolio and perhaps all you need is an occassional review of strategies and sound advice for major financial planning considerations as they present themselves. In this case, we are here for you as needed, providing advice on an hourly basis.
You may prefer to have a dedicated team to design your short-term and long-term strategies to manage and monitor your financial world through an open line of regular communication and financial goal planning of your work and personal investments. In this case, we are here to provide advice on a regular basis as a traditional percentage of assets under management, working as your partner to navigate challenges and capture the opportunities.
You may have a situational need for a specific goal and require an unbiased opinion. This generally means a specific product solution, which compensates a representative with a commission for placing business with them. As an independent firm, we work with all major A-rated companies and have no ties or requirements to any one company, solution or product. This allows us to honor our duty to focus on the best possible solution for your needs rather than a company controling and restricting our options, or compensation weighing unjust bias into any recommendations.