| Advisor Profile |
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Business Description |
Our goal is to focus clients on the fact that their lives, and how they optimally want to live it, control their financial destiny even though that future may be guided by financial resources. We value highly collaborative relationships based upon mutual trust and respect with the key factor being the establishment, maintenance and nurturing of a long term relationship.
If you've ever done a jig saw puzzle, then you understand that there are hundreds of "important" pieces. The components of a financial plan are representative of those pieces but in the final analysis, financial planning is truly "the picture on the front of the box" without which, there's little hope in completing the puzzle.
In the truest sense, financial planning is all about the transitions that we face in our lives, not about the transactions. |
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General Information |
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| Name of Custodial Firm: |
Charles Schwab
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| Years of Experience in Financial Services: |
29
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| Number of Years with Current Firm: |
13
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| I work with the following types of clients: |
Individual Investors
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Services |
| Investment Types: |
Stocks, Annuities, Mutual Funds, Alternative Investments, Real Estate, Bonds
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant
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| Financial Organization Memberships: |
Financial Planning Association (FPA)
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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| I work with clients as part of a team: |
Yes
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| Firm's Number of Clients: |
62
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| Firm's Number of Planning Clients: |
39
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| Firm's Number of Managed Clients: |
39
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| Advisor's Number of Clients: |
62
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| Advisor's Number of Managed Clients: |
39
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| Advisor's Number of Planning Clients: |
39
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| Assets Managed by Advisor: |
$24,000,000
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Compliance |
| Registered Investment Advisor: |
Yes
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| Investment Advisor Representative: |
Yes
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| I am an acknowledged fiduciary: |
Yes
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| Compliance Disclosures in Last 5 years: |
I have a clean record
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| Criminal Disclosures in Last 5 years: |
I have a clean record
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Compensation & Fees |
| I am a fee-only financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
$250,000
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| Compensation Methods: |
Flat Fee
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| Additional Details on Charges: |
Our fees are billed on a flat fee basis, we do not accept
commissions (we are no longer licensed to accept them) and we do
not charge a percentage of assets under management as would
likley be the industry norm.
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| Minimum Fee Charged for Managed Accounts: |
$2,500
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| Minimum Fee Charged for Hourly Planning Accounts: |
$250
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| Minimum Fee Charged for Flat Fee Accounts: |
$2,500
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| Prepared By: |
Bob Barry |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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What are your qualifications? What is your education background? |
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I have over 30 years of experience in financial services including over 20 years in financial planning. I am a Certified Financial Planner, and have been the National President of the The Financial Planning Association (FPA). |
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What is your approach to financial planning? |
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We follow a "life goals" approach to financial planning, integrating quality of life issues with personal financial planning. Our services are perfect for individuals or couples who require a high degree of trust with their advisor and who wish to function in a collaborative environment. |
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What services do you offer? |
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Personal Financial Planning |
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| Q. |
How many clients do you currently manage? |
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Will you be the only person working with me? |
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As primary advisor certainly, but each client has interaction with staff. |
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How are you compensated? How will I pay for your services? |
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Fee Only on a flat fee basis. We do not accept commissions and we do not charge based on a percentage of client assets. |
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If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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No, we prefer discretionary authority over all accounts unless restricted by a custodian or employer, such as we might be in a 401(k) or 403(b) plan. |
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Do you offer any guaranteed results? |
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How much risk should I be willing to take? |
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Risk is assessed on a client by client basis. |
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Have you ever been charged with any breaches? |
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