Why should I choose you as my financial advisor?
Answered in an above section
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What are your qualifications? What is your education background?
I started my career at Morgan Stanley in San Francisco and while sharpening my skills there I completed a college degree in Finance and Economics. Upon leaving Morgan Stanley, I kept my focus on custom portfolio construction, custom investment strategies, and financial planning.
Prior to starting Olivia Wealth Management, I helped start the investment management arm of an RIA in San Francisco. In that position we grew from $0 to $60 Million in assets under management. I was sole Portfolio Manager for the firm.
Our investment management strategies have a heavy focus on a combination of both Technical Analysis and fundamental portfolio construction. Both utilized together as compliments are used on a daily basis to manage clients money in what we call an adaptive risk management strategy.
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How do you charge for your services?
We charge based on what you need as a client. If you are only looking for advisory or financial planning we can charge by the hour or by the project depending on its complexity.
When it comes to investment management the cost is wrapped up into one transparent cost. If investment management is what you need the Financial Planning and Advisory is all covered by the investment management cost. No hidden fees and no upselling.
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How are you compensated? How will I pay for your services?
We charge based on what you need as a client. If you are only looking for advisory or financial planning we can charge by the hour or by the project depending on its complexity.
When it comes to investment management the cost is wrapped up into one transparent cost. If investment management is what you need the Financial Planning and Advisory is all covered by the investment management cost. No hidden fees and no upselling.
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If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Our investment process is discretionary. Meaning we have a strategy that we stick to and your account is managed in that strategy based on your risk tolerance and what we have agreed to. Although we do not obtain permission to make a change on a regular basis we will always explain our justification in our monthly update.
There are special circumstances that we will seek your approval. Some of these may be due to owning something that may be against you morally or if there are specific tax ramifications that may effect you personally.
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How many clients do you currently manage?
I currently manage money and advise 50 families.
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Will you be the only person working with me?
Beside myself, my wife, Letty, is also apart of the firm. You will have regular contact with her as she handles back office operations and any issues with technology.
Outside of that, we may need to bring in an expert from time to time to make sure we can find you the absolute best solutions for you and your family; However, I will be with you on any and all meetings with said experts.
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How much risk should I be willing to take?
We manage money from the perspective of your personal risk tolerance. Before any investing is done we need to establish what your personal risk tolerance is and how that risk may effect your overall financial plan. Once we know this we can tailor the correct investment strategy for you and your established goals.
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Have you ever been charged with any breaches?
No
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What financial institution(s) do you represent?
TD Ameritrade Institutional
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What is your approach to financial planning?
To start I like to do a simple "get to know you" complimentary (no charge) discovery meeting. This is where we find out some personal details about one another. This is to establish how to best work with each other and what are the most important areas of your plan.
Once this is established we can start inputting the information into our planning system. Every person has a unique financial life, it is up to us to help you plan in the way that best fits you.
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What services do you offer?
We offer investment management, retirement planning, financial life planning, equity based compensation planning (RSUs,RSAs,ESPP,ESOP), college aid planning, custom investment management and advanced financial planning and advisory.
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What are your qualifications?
Answered above
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What is your approach to 401 K plan rollovers?
First we need to establish what route is best for you to take. Once we know that, we need to inform you of all costs and fees in a comparison format from what they would be managed with our firm versus keeping them at your old plan.
The next step is to have us help you fill out all of the documentation that needs to be submitted to both the 401k provider and the custodian accepting the rollover. Once we have all of the puzzle pieces we will help you submit the docs, establish you investment approach for the account, wait for transfer to execute and the invest accordingly once the assets have transfered.
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How long does the process of rolling over a 401K plan usually take?
This can be as short as 1 week, but can take as long as 3 weeks depending on where the funds are coming from. Some plan providers take longer than others to process.
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What financial institutions do you represent?
I custody all of my assets at TD Ameritrade Institutional which will soon be Charles Schwab Advisor Services
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How many years of experience do you have?
I have 11 years of experience.
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What are your fees for this service?
When it comes to investment management of any account (401k or other) the cost is wrapped up into one transparent cost. If investment management is what you need the Financial Planning and Advisory is all covered by the investment management cost. No hidden fees and no upselling.
Our cost to manage the account starts at 1.25%; However, the cost declines as the account grows in size.
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How many 401K rollover clients do you currently manage?
I currently manage 5 401k rollover accounts; However, I have managed many others over the years at different institutions and am currently in the process of building a new investment management and financial planning practice.
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