FAQs
- What should the customer know about your pricing (e.g., discounts, fees)?
We're competitive, transparent and structure our pricing in accordance with your needs.
- What is your typical process for working with a new customer?
Our process: 1. We establish the relationship and expectation's of the client and advisor. 2. We gather all pertinent data and documents for review. 3. We assess the current situation along with goals, objectives, and underlying concerns. 4. Prepare and present our recommendations. 5. Upon client approval, we implement the recommendations 6. Monitor and review the portfolio as needed.
- What education and/or training do you have that relates to your work?
As financial planning's highest standard, the ChFC® program prepares professionals to meet the advanced financial needs of individuals, professionals and small-business owners. ChFC's can identify and establish specific goals and then formulate, implement and monitor a comprehensive plan to achieve those goals. Individuals who earn a ChFC® can provide expert advice on a broad range of financial topics including financial planning, wealth accumulation and estate planning, income taxation, life and health insurance, business taxation and planning, investments and retirement planning. The CLU® is The Highest Standard of Knowledge and Trust in Financial Planning Your Chartered Life Underwriter® has earned the premier credential in the insurance profession, representing eight or more comprehensive college-level courses covering all aspects of insurance planning, estate and retirement issues, taxation, business insurance, and risk management. For more than 80 years consumers have trusted this mark, which is conferred by The American College, a non-profit educator with the highest level of accreditation. The average study time for the program is over 400 hours and can take years to earn. Each CLU® must also complete a minimum of 30 hours of continuing education every two years, adhere to strict ethical standards, and meet extensive experience requirements, ensuring the knowledge you're counting on is both comprehensive and current. Series 7 The Series 7 license is known as the general securities representative (GS) license. It authorizes licensees to sell virtually any type of individual security. This includes common and preferred stocks; call and put options; bonds and other individual fixed income investments; as well as all forms of packaged products (except for those that also require a life insurance license to sell). The only major types of securities or investments that Series 7 licensees are not authorized to sell are commodities futures, real estate and life insurance. Series 65 The Series 65 license is required by anyone intending to provide any kind of financial advice or service on a non-commission basis. Financial planners and advisors that provide investment advice for an hourly fee fall into this category, as do stockbrokers or other registered representatives that deal with managed-money accounts.