There are many financial products in the market, and so choosing the ones that suit an individual client’s needs can be complicated. Informed decisions about the products in any portfolio are best made after an assessment of individual needs. After meeting to do this, you are better informed when the time comes to choose from a comprehensive suite of products and services and select those that address your unique situation.
Products and services include:
- 401(k) retirement plans and Individual Retirement Accounts
- Managed/Fee-based accounts
- Brokerage accounts
- 529 qualified tuition plans
- Mutual funds
- Group retirement and savings plans
- Simplified Employee Pension Plans
- Qualified Retirement Plans
- Life insurance
- Long-term care, disability and critical illness
Effective June 9, 2017 all individuals that provide advice to retirement plans, including Individual Retirement Accounts (IRAs), must abide by the fiduciary standard. What does the fiduciary standard mean? This means that your advisor must put your interest first before their own or that of the firm, make prudent recommendations, charge reasonable compensation and make no misrepresentations to you regarding recommended investments. The recommendations made by your advisor must be based upon your specific investment needs and objectives. The fiduciary standard is applicable to any recommendations that your advisor makes to you, the client, for your retirement account. The fees charge by the firm have been deemed to be reasonable and are as follows:
Fees are based on Assets Under Management (AUM), hourly or flat depending on our clients needs:
- AUM: $0-250k- 1.2%
- $250k-500k- 1.1%
- $500k-1m- 1%
- $1m+- nego.
Hourly fee is $150 per hour
Flat fee is based on scope of financial plan.