| Advisor Profile |
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| Name: |
Dennis Gibb, CFP® |
| Phone Number: |
(425) 242-4494 |
| Website: |
Visit Website
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Business Description |
Sweetwater Investments was named one of the Top 100 independent investment firms by Barron's in 2007.
Sweetwater's mission is to create for each client a financial plan fully reflective of the client's goals, perceptions, experience and needs. At the end of our process the finished plans will be to one the client would have created if they had the time, energy and aptitude.
Sweetwater combines its 34 years of experience in the financial markets with academic learning and congruent philosophy and methodology to create a fully client focused experience.
We seek to be our client's servant leader in the financial markets and to create a service profile so extraordinary that each client will unreservedly refers us their friends. |
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General Information |
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| States Willing to do Business in: |
All States
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| Years of Experience in Financial Services: |
34
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| Number of Years with Current Firm: |
19
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| Work Experience: |
Dean Witter (1974 to 1979)
Morgan Stanley (1979 to 1984)
Bear Stearns (1984 to 1989)
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| I work with the following types of clients: |
Non-Profit Organizations, Indian tribes, Individual Investors
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Education |
| Academic Background |
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Degrees in History, Psychology and Sociology - Parsons College, Fairfield, IA (1968)
Graduate Studies at University of Chicago Graduate School of Business interrupted by military service. |
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Services |
| Investment Types: |
Exchange Traded Funds (ETFs), Alternative Investments, Options & Futures, Mutual Funds, Stocks, Bonds
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, Certified Senior Advisor (CSA)®, Chartered Life Underwriter (CLU®)
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| Securities Licenses: |
Series 65, Series 66, Series 22
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| Financial Organization Memberships: |
Financial Planning Association (FPA)
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| Non-Financial Organization Memberships: |
Knights of Columbus, VFW,
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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: |
125
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| Firm's Number of Planning Clients: |
50
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| Firm's Number of Managed Clients: |
125
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| Assets Managed by Firm: |
$1.5 billion
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| Advisor's Number of Clients: |
50
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| Advisor's Number of Managed Clients: |
35
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| Advisor's Number of Planning Clients: |
15
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| Assets Managed by Advisor: |
$1 billion
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Compliance |
| Registered Investment Advisor: |
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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| I am a fee-based financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
$250,000
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| Compensation Methods: |
Hourly, Based on Assets, Flat Fee
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| Fee % Based on Assets: |
1%
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| Additional Details on Charges: |
We offer a flexible fee system based on what the client desires to accomplish. When we act as an investment consultant we are only compensated by hourly fee to maintain a conflict free view of the client's situation. Our hourly fee is also charged when we act for clients in performing due diligence on investments currently being considered.
Before any terms of service are agreed to we provide full disclosure of our fee structure and an estimate of the cost to the cleint.
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| Prepared By: |
Dennis Gibb, CFP® |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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We attempt to make sure there is a fit between Sweetwater and the cleint before we charge a fee so there is less likelyhood of a refund being needed. If fees are paid in advance we refund them prorata if we are terminated before the end of the quarter |
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What are your qualifications? What is your education background? |
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We have various qualifications. CFP, CHLU, MBA, CSA, |
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What is your approach to financial planning? |
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We believe that all areas of a client's life are important in considering the course of a financial plan. We work closely with the client's other advisors in the areas of tax and estate law to create a comprehensive plan. We are dynamic in reviewing the plan. We also spend a good deal of time determining the goals of the client and seperating the wants from the needs. |
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What services do you offer? |
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We offer services in the area of investmnet management and consultation. We perform due diligence on investments proposed for cleints. We conduct financial planning and retirment planning. |
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How many clients do you currently manage? |
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We have 75 relationships which contain about 125 accounts |
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Will you be the only person working with me? |
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I will be the primary contact however members of my team will be informed of your situation and our activity so that continuity is insured. I will draw on other team member's expertise to insure a more complete serive is delivered |
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How are you compensated? How will I pay for your services? |
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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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That is up to you. We are comfortable with either arrangement |
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| Q. |
Do you offer any guaranteed results? |
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No that is not permitted under current laws |
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How much risk should I be willing to take? |
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Risk tolerance is determined by your age, finanical status, your goals and your past experiences. The amount of risk tolerance is a very personal trait and will change. One of our tasks is to determine what is your risk tolerance |
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Have you ever been charged with any breaches? |
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No member of the firm or the firm itself has ever been involved in any securities related litigation. |
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What services do you provide? What are your specialties? |
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We provide, financial planning, investment management, investment consulting, retirment planning as broad categories |
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What is your experience? How many clients do you currently manage? |
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We have been in the business for 34 years. We were born in a bear market and we have seen and done just about everything that can be done in the investment markets |
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What financial institution(s) do you represent? |
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We are not affliated with any other financial institution. We are independant, fee only, and we act as a fiducary |
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How do you charge for your services? |
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Do you provide a free initial consultation? |
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Why should I choose you as my financial advisor? |
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We do what we say, we will always be there for you, and we will be constantly mindful of what is important to you. |
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What are your qualifications? |
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34 years in the business. We were there when 401k plans were created |
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| Q. |
How long does the process of rolling over a 401K plan usually take? |
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What financial institutions do you represent? |
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How many years of experience do you have? |
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What are your fees for this service? |
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fees are dependant on the size of the account assests |
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How many 401K rollover clients do you currently manage? |
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Do you provide a free initial consultation? |
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