Why Use a Financial Advisor

• Investment and Asset Management
• Debt Reduction Strategies
• Budgeting
• Cash Reserve Planning
• Retirement Planning
• College Planning
• Help With Insurance Planning
• Help With Tax Planning
• Help With Estate Planning
• And Much More…. See Handout

• Vanguard believes that an advisor adds 3%/year return net of fees to an average investor’s performance  Value over 20 years
• Watches the markets and your accounts on your behalf
• Gives pertinent financial updates when appropriate
• Personal CFO
• Aside from annual to quarterly reviews, I’m always available to answer questions and meet with my clients
• Stays on top of all current investment products and trends
• Gives financial education on pertinent topics
• Offers financial tools (online and offline)
• I specifically offer E*Money for free to my clients (this is unheard of)
• Administrative assistance from my assistant and I to reduce administrative burdens/logistics as much as possible
• Placing trades
• Getting your money
• Transferring your money
• Retrieving statements and other important documents
• Cares more about your money and financial future more than anyone who doesn’t share your last name

• A fee for service (for a financial plan)
• A commission to manage your accounts (10% of my business)
• A fee to manage your accounts (90% of my business)
• Most advisors charge between 1-3%/year on the assets under management (my total cost is 1-1.55%/year depending on account size)

The annual fee is paid out of the account automatically, no need to write a check.

• Is a Certified Financial Planner Professional
• According to the Wall Street Journal, Forbes, and financial authorities, the CFP is the most significant credential.  It is one of the most important requirements to look for when choosing a financial planner.
• Is an Accredited Investment Fiduciary
• I have pledged to act in my client’s best interest at all times.  My philosophy is to make recommendations for my clients by putting myself in their shoes and recommend what I would do if I were them, knowing what I know. 
• Has had several mentors and has learned from other experienced financial advisors to accelerate my experience and learning curve
• I learned from other advisor’s successes and mistakes to make sure I can avoid as many mistakes as possible with my clients. 
• Has worked in the insurance side of the business and the wire-house side of the business
• I have experience on both sides of the industry and can help my clients with objective advice pertaining to their situation because I know “the secret sauce” in which both houses use to help their clients
• Is an independent financial planner
• I don’t work for a big company who demands I use their investment products and tools.  All of my recommendations are for my client’s best interest not my company’s. 
• Has over 11 years experience as a financial planner and successfully managed his client’s accounts and emotions through a major recession
• Is not on the tail end of his career and will be helping his clients for 25+ more years. 
• I will be held accountable for all of my investment recommendations and will see my clients through their financial journey.