525 Plum Street
A CFP® professional is an individual who has obtained the CERTIFIED FINANCIAL PLANNER™ certification. The CERTIFIED FINANCIAL PLANNER™ certification is considered the standard of excellence for financial planners. Before anyone can call themselves a CFP® professional, they must meet rigorous education, examination, experience, and ethical requirements as set by the Certified Financial Planner Board of Standards. You can read more about the certification here.
Yes, unlike other types of financial advisors, CFP® professionals are held to a fiduciary standard. This means we have a legal and ethical obligation to act in our clients’ best interests.
A theme we often hear from our clients is that they know the best way to leverage their time is by outsourcing to an expert. Our clients are looking to hire someone to help them with their financial planning and investment management needs and value the trust that comes from having a long-term relationship with their financial service providers. We do our best work with investors over age 50 who are nearing retirement or retired, have a net worth over $1 million, and investment assets of $500,000 or more.
We begin all client relationships with an in-depth financial planning process. We charge a flat fee for this process, which covers an initial 12-month engagement. The fee is determined by the complexity of your situation and the level of concierge service that you are looking for. As the architects of your financial plan, we believe we are best suited to help implement your plan to secure the highest degree of success. There may be additional fees and/or costs associated with financial products we recommend which compensate us for the work involved in implementing your financial plan.
The financial planning process will unfold over a series of meetings. We begin by asking you to provide us with detailed financial data. Our first meeting will be spent confirming and clarifying the information you provided and establishing the goals and objectives that are most important to you. Our second meeting will be to present the findings of our comprehensive analysis and modeling and begin identifying solutions that may fit your situation. Subsequent meetings will further determine which opportunities can help you reach your goals and establish a formal action plan to move forward. We then work together to implement your financial plan, holding periodic check-in meetings to ensure that progress is being made. Throughout the financial planning process, we aim to make complex issues simple and understandable so that you can more easily make appropriate decisions and feel confident about your future.
Yes. The majority of our clients choose to implement their investments with our office. Using time-tested, proven investment principles along with the latest market insights and digital technology, we assist you in identifying your investment goals, establishing your risk tolerance, managing your portfolio, and making adjustments as needed.
When the financial planning process is complete, together we will determine the best way to keep your plan current. Some clients choose to renew and update their financial plan each year, while others may prefer to wait until a major personal, financial, economic, or legislative change occurs that warrants revisiting their plan.
Your success is a team effort. We utilize a team-based, collaborative approach to serving your financial needs. We believe the best outcomes occur when clients have support from a team who truly cares about them, their families, and their goals. Our team is supported by the resources of our broker dealer, Commonwealth Financial Network.