Business Description
We provide financial planning services including wealth management, retirement planning, estate planning, tax planning, insurance planning, and education planning. We are service oriented and do not sell products. We do not receive any commissions from placement of funds in any particular investment. We strive to help clients structure their personal finances to meet their goals.
General Information Gender:    Male CRD#:    4487287 SEC File#:    80167510 Name of Custodial Firm:    Fidelity States Licensed in:    WA, CA, NC States Willing to do Business in:    All States Years of Experience in Financial Services:    11 Number of Years with Current Firm:    11 I work with the following types of clients:    Trusts, Individual Investors, Businesses
Education Academic Background   BA, Accounting - University of Washington (1994)
Services Investment Types:    Mortgages & Real Estate, Options & Futures, Mutual Funds, Commodities, Insurance, Annuities, Exchange Traded Funds (ETFs), Bonds, Stocks, Alternative Investments, Socially Responsible Investments (SRI)
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Certified Public Accountant (CPA) Financial Organization Memberships:    American Institute of Certified Public Accountants (AICPA), Financial Planning Association (FPA)
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes Firm's Number of Managed Clients:    45
Compliance Registered Investment Advisor:    Yes Registered Representative:    Yes Investment Advisor Representative:    Yes I am an acknowledged fiduciary:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees I am a fee-only financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $500,000 Compensation Methods:    Based on Assets, Hourly Fee % Based on Assets:    1% or less
Prepared By:	William Serres, CFP®

Frequently Asked Questions

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	What services do you provide? What are your specialties?

Q.	What financial institution(s) do you represent?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

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Q.	What are your qualifications? What is your education background?
I received my Bachelor of Arts in Accounting from the University of Washington in Seattle, WA in 1994.

Q.	What is your approach to financial planning?
Our approach is characterized as values based or goals based financial planning. We follow a six step process in which we engage with the client, gather all relevant data, analyze the data, develop a written plan, implement the plan and monitor the plan thereafter. We recommend reviewing the plan annually.

Q.	How many clients do you currently manage?
45

Q.	Will you be the only person working with me?
We use a team approach with our clients. Each client has a primary advisor, but our four person team works together with each of our clients.

Q.	How are you compensated? How will I pay for your services?
We have two methods of payment depending on the services you hire us to perform. Our asset management fees start at 1%. We bill quarterly and those fees are subtracted from the client’s account. Clients that work with us on an hourly basis receive an estimate of the work to be done and are billed after the services are rendered. The hourly rate is $130 an hour with a $1,000 minimum.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
We give the client the choice. Almost all of our clients have given us full discretion for trades within the confines of their Investment Policy Statement (IPS).

Q.	How much risk should I be willing to take?
It completely depends on your unique situation. When we answer this question for clients we first try and determine how much risk they need to take, we then compare it with their tolerance for risk. Then the client can make an informed decision about their tolerance for risk.

Q.	Have you ever been charged with any breaches?
No member of our firm has been charged or accused of any breaches.

Q.	What services do you provide? What are your specialties?
We provide on-going portfolio management for clients. We also provide hourly financial planning for client's seeking advice about specific issues like retirement planning, education planning, estate planning, and tax planning or insurance planning.

Q.	What financial institution(s) do you represent?
We do not represent any financial institutions. We have a fiduciary responsibility to our clients. Our client’s assets are held in custody at Fidelity. Our client fees remain the same whether a client is invested in an index fund or a hedge fund. We have no conflicts of interest.

Q.	Do you provide a free initial consultation?
Yes, we like to have an initial meeting free of charge to determine if the client’s needs and our services are a good fit.

Q.	Why should I choose you as my financial advisor?
We believe our institutional quality portfolio management coupled with our comprehensive financial planning focus backed by our uncompromising fiduciary responsibilities set us apart from other firms. We believe the best way to determine if we are the firm you would like to work with is to meet with us in person for a complimentary review of your personal situation.