It begins with a phone call from you.
Not to a call center. We don’t have one and never will. One thing to know about how we work with you is that we value relationships.
Get Acquainted
You can schedule a get-acquainted meeting, whether at our office in Regency or maybe at your favorite coffee shop. You can meet Dave or Katerina and tell them about your situation. We’ll see how we might be able to help.
Know that even if we find we’re not the right solution for you, we’ll be happy to point you in the right direction for help.
Next Steps
If you like what you hear from us, and if we think we help, we’ll gather more information. Our QuickStart program is a streamlined approach to creating a financial strategy. It works well for most clients, but we can also develop more comprehensive plans.
We’ll help you open an account at Charles Schwab. They will act as the custodian for your account, which means they will provide safekeeping of your assets, process our buy & sell orders, and provide certain accounting and reporting services.
We will also have you sign our investment management agreement. This grants us authority to manage investments on your behalf.
When your account is open, we’ll help you transfer assets into it. We will then build an investment portfolio that’s consistent with your financial goals.
Keeping You Up-To-Date
Each quarter, you will get account statements from us and from your custodian. We’ll deduct one-quarter of our annual management fee. Again, this is our only source of income in working with you.
Each year, we’ll schedule a portfolio review with you, whether in person or by phone. This is an opportunity to see the progress you are making, update information and discuss possible changes.
If you’re subject to Required Minimum Distributions from your retirement account, we’ll discuss this, too.
We’ll also ask about any planned withdrawals from your account. We advise clients to keep such money in the bank or a money market fund and to keep only long-term money invested with us.
Ask Us Your Questions
At any time, of course, you are welcome to call us with questions. Here are a few we are often asked. Maybe you’ve wondered about the same things.
- How do I replace the income I’ve been getting from work?
- What if anything should I do with my 401K plan?
- How do Required Minimum Distributions work?
- When should I begin taking Social Security?
- How do I see to it that I don’t outlive my assets?
- How can I lower my tax bill?
Is Your Other Paperwork Up-to-Date?
Do you want to provide for children or grandchildren? Is there a charity, place of worship, or a cause you would like to help? Do you have a power of attorney?
A valuable part of our work with you is our review of important documents. We’ll ask if paperwork is up-to-date for beneficiaries, trusted contacts, powers of attorney, and estate plans. It’s easy for this information to become outdated.
We can also coordinate with your tax and legal advisors when this is helpful. We can even recommend such advisors.
Beyond the Strategy & Paperwork
There’s no denying that it’s good to have a sound investment strategy and to make sure your paperwork is in order. But it’s also good to know that you can rely on us to work with other members of your family when this helpful.
Next: What Does It Cost?
