FAQ

Can you help me?

For the vast majority of our clients, we can:

  • Reduce your taxes.
  • Reduce your investment risks while enhancing expected long-term returns.
  • Reduce your investments’ total fees and costs.
  • Strengthen your financial foundation by protecting your assets and making sure your wealth goes where you intend upon death.

Prior to accepting any engagement, we ensure that our services will truly add value. In essence, we want to make certain that you have found the type of comprehensive, objective advice that you desire, and that we will enjoy working together over the long term.

What client types do you work with?
  • Busy professionals such as doctors, dentists, attorneys, and small business owners without the time or knowledge to maximize their financial opportunities while minimizing their risk.
  • Retirees who want to protect their hard-earned savings and still provide the necessary income to maintain the lifestyle they are accustomed to.
  • Individuals subject to estate taxes who want to minimize their estate tax liability, and leave a legacy for their family or make charitable bequests.
  • Executives with stock options, deferred compensation, or complex tax issues.
Do you have minimum client requirements?

Although we do not have minimum client criteria, we do not accept everyone as a client. We want you to receive exceptional value from our services. If we do not believe that we can provide this value, we will not pursue a relationship.

Where do I begin?

See the Next Step, or Contact Us.

In the first meeting, our primary goal is to better understand your goals, objectives, time horizon, personal beliefs, investment experience, and willingness and ability to take risks. If we mutually agree that we can meet your planning needs, we will formalize the engagement by entering into an agreement for services.

Do you sell any investment products?

No. To maintain objectivity, we do not sell any investment products or insurance. We do not accept commissions, 12b-1 fees, or other monetary compensation from product providers. This allows us to seek extremely low-cost investment products for our clients, including institutional-style mutual funds not normally available to individual investors.

How do you get paid?
Our fees are based on our two core services:

  • Wealth Management Services are based on an annual fee, paid quarterly. This fee encompasses all of our financial planning, investment advisory, and tax services, if applicable.
  • Financial Planning Services are billed at the rate of $250 per hour, and the total fee for Comprehensive Financial Plan ranges from $2,500–$5,000, depending on the complexity.
How are you regulated?

We are Registered Investment Advisors in Oregon and Washington. All of our new clients receive Form ADV Part 2, which sets forth additional information regarding our firm.

Who controls my investments?

You control your investments. We monitor your accounts and make recommendations when appropriate. Our clients pre-approve trades and transactions in their accounts. We do accept a limited form of “discretion” over our clients’ accounts in order to affect trades. Our clients’ investment accounts are held by TD Ameritrade Institutional.

Do you have minimum standards for your advisor representatives?

Our Advisors must have at least 5 years of industry experience and a CFP® Professional financial planning designation.

What is a fiduciary?

In general, a fiduciary is a person who has a legal duty to act solely in the best interest of a beneficiary.

As defined by the CFP Board’s Standards of Professional Conduct, a fiduciary is ” one who acts in utmost good faith, in a manner he or she reasonably believes to be in the best interest of the client.”

www.cfp.net.

What if I need life, disability, long-term care, health, or other insurance?

If during the financial planning process it is determined that you need insurance, or changes in your existing insurance coverage, we will work with your insurance agent or we can recommend an insurance professional to help with your particular needs.

What reports will I receive on my accounts?
  • A monthly brokerage statement detailing your account values and transactions.
  • A quarterly report from us showing your accounts with performance measures.

 

Must I invest with you?

No. However, most clients want us to manage their investments after we prepare their plan. We often use lower-cost institutional-style mutual funds not normally available to individual investors.

Can you advise me on investments you do not manage?

Yes. As your financial advisor, we review these accounts as part of your overall investment plan. For investments such as a company 401k or 457 plan, we can guide you on how to choose among the funds available to you.


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