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Business Description |
We help people identify and reach their financial goals. Our advice is independent and fee-only. We do not sell products or earn commissions. We create comprehensive financial plans for our clients based on their unique goals and their tolerance to investment risk. Our investment team crafts the appropriate portfolios to put our clients on the path to financial freedom. Our clients enjoy a personal relationship with a client-focused team who knows them and benefit from a custom portfolio designed uniquely for them. We provide fee-only, objective advice. Pure and simple.
Whether your needs are planning for retirement, handling an inheritance or planning your estate, we navigate the complexities with you. We’ll provide a holistic view of your financial position that examines your current and future resources, your investments, as well as your estate plan, college planning and insurance needs, and much more. A comprehensive financial plan is the cornerstone of our relationship. |
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General Information |
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| Years of Experience in Financial Services: |
9
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| Number of Years with Current Firm: |
1
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| I work with the following types of clients: |
Individual Investors
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Education |
| Academic Background |
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| Bachelor of Accountancy, New Mexico State University (1998). Graduated with Highest Honors. |
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Services |
| Investment Types: |
Real Estate, Exchange Traded Funds (ETFs), Mutual Funds, Stocks, Bonds
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, Certified Public Accountant (CPA), Personal Financial Specialist (PFS), Insurance License (Life & Health; Long Term Care; Specify below)
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| Insurance and Annuity Licenses: |
Health, Life
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| Financial Organization Memberships: |
American Institute of Certified Public Accountants (AICPA), Paladin Registry, 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: |
1000
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| Assets Managed by Firm: |
$850,000,000
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| Advisor's Number of Clients: |
120
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| Assets Managed by Advisor: |
$120,000,000
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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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| Minimum Portfolio Size for New Managed Accounts: |
$250,000
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| Compensation Methods: |
Based on Assets
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| Fee % Based on Assets: |
1.0
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| Additional Details on Charges: |
The process for new clients begins with a data gathering meeting to determine client preferences, needs and goals. Then we develop an investment plan, specifically tailored to each clients individual needs and consistent with our investment philosophy. Clients are billed investment management fees based on assets managed. Clients are billed on a quarterly basis and are not billed in advance.
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| Prepared By: |
Garth Scrivner |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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100% Satisfaction Guarantee - Full Refund if Not Satisfied |
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| Q. |
What are your qualifications? What is your education background? |
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Professional Background
B.A., Accounting with Concentration in Finance, New Mexico State University
Certified Public Accountant, “CPA” – 1999
Certified Financial Planner, CFP® - 2008
Personal Financial Specialist, “PFS” – 2002
Certified Valuation Analyst, “CVA” – 2002
Certified Internal Auditor, “CIA” – 2000
Accredited Asset Management Specialist, “AAMS” – 2001
Member, Estate Planning |
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| Q. |
What is your approach to financial planning? |
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Our firm provides hourly, as-needed financial planning and advice to individuals and small businesses. We work with people from all walks of life, providing financial planning services and advice. Clients have the flexibility to engage us on either a one-time, as-needed, or ongoing basis.
Your financial objectives may include:
Ensure or Determine Retirement Income
Reduce the Burden of T |
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| Q. |
What services do you offer? |
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Comprehensive Financial Planning
Asset Allocation Analysis
Education Funding Analysis
Retirement Distribution Planning
Cash Flow Management
Stock Option Analysis
Independent Analysis of Current Insurance Coverage (we don’t sell insurance)
Assistance with implementation of personal financial planning systems (Quicken, Quickbooks, MS Money, etc.) |
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| Q. |
How many clients do you currently manage? |
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Approximately 50-75 Client Relationships |
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| Q. |
Will you be the only person working with me? |
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How are you compensated? How will I pay for your services? |
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Fee-Only - Either a Percentage of Assets Under Management or Hourly, based on client preference. |
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| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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Do you offer any guaranteed results? |
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I only guarantee to provide services and planning that you are satisfied with. No guarantees are provided with respect to investment performance |
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How much risk should I be willing to take? |
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Depends on a myriad of factors, too complex to list here. Will be ultimately determined through client interview, discussions and questionaires. |
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Have you ever been charged with any breaches? |
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What services do you provide? What are your specialties? |
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Financial Planning
Investment Management
Estate Planning
Life Insurance and Disability Insurance Planning
Education Planning |
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How do you charge for your services? |
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Fee-Only - Either a Percentage of Assets Under Management or Hourly, based on client preference. |
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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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Experience, education and low fee structure for services provided. |
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| Q. |
What are your qualifications? |
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Professional Background
B.A., Accounting with Concentration in Finance, New Mexico State University
Certified Public Accountant, “CPA” – 1999
Certified Financial Planner, CFP® - 2008
Personal Financial Specialist, “PFS” – 2002
Certified Valuation Analyst, “CVA” – 2002
Certified Internal Auditor, “CIA” – 2000
Accredited Asset Management Specialist, “AAMS” – 2001
Member, Estate Planning |
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| Q. |
What is your approach to 401 K plan rollovers? |
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After gathering a thorough understanding of the client's financial objectives, risk tolerance and investment time horizon; we work with them to build a diversified portfolio centered around the use of low cost and tax efficient stock and/or fixed income index or mutual funds. Each client’s strategy is developed and monitored using a unique six-step process:
Financial Analysis
Determination |
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| Q. |
How long does the process of rolling over a 401K plan usually take? |
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4-6 weeks depending on the speed of the terminating employer. |
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What financial institutions do you represent? |
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TD Ameritrade, Vanguard, Schwab Institutional |
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| Q. |
How many years of experience do you have? |
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What are your fees for this service? |
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Fee-Only, Typically ranging between 1%-1.5% of assets managed (depending on client involvement) |
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| Q. |
How many 401K rollover clients do you currently manage? |
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Why should I roll over my 401K plan to your firm? |
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Service, low-cost and hihgly personalized services with many other services provided in the financial and tax planning areas. |
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| Q. |
Do you provide a free initial consultation? |
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