Question 1

Do you have a customer satisfaction or refund policy?

Accepted Answer

If things are not going as you expected, let's schedule a time to figure out a solution.

Question 2

Why should I choose you as my financial advisor?

Accepted Answer

Before choosing to work with our firm, it is important to carefully consider whether you believe that the fee you pay us will be valuable in achieving the progress you seek. However, it is equally important to understand that we will also be assessing whether you are the right type of client for us. We value strong and mutually beneficial client relationships and believe that this is essential to achieving successful outcomes.

Question 3

What are your qualifications? What is your education background?

Accepted Answer

We are proud to have a team of highly qualified financial advisors with more than 50 years of combined experience. Our advisors are the best in the business, and most of them hold the highest designation in the financial planning profession - Certified Financial Planners (CFPs). They also hold a variety of other major certifications, such as Chartered Investment Manager Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Chartered Financial Consultant (CHFC). These designations show just how dedicated our advisors are to providing you with the best possible financial advice.

Question 4

How do you charge for your services?

Accepted Answer

We price our services based on an annual fee, with a minimum base price. The base price may be adjusted to reflect the management of complexities, value creation, and any 3rd party implementation costs.

We believe that this pricing approach is aligned with its values of transparency, conflict-free advice, and no-pressure sales. By charging a flat fee, Our advisors are incentivized to provide the best possible advice to their clients, regardless of the size of their portfolio.

We also offer no-pressure consultations so that prospective clients can learn more about the firm's services and pricing without feeling obligated to engage.

Question 5

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

Accepted Answer

We price our services based on an annual fee, with a minimum base price. The base price may be adjusted to reflect the management of complexities, value creation, and any 3rd party implementation costs.

We believe that this pricing approach is aligned with its values of transparency, conflict-free advice, and no-pressure sales. By charging a flat fee, Our advisors are incentivized to provide the best possible advice to their clients, regardless of the size of their portfolio.

We also offer no-pressure consultations so that prospective clients can learn more about the firm's services and pricing without feeling obligated to engage.

Clients pay for our services from their investment accounts.

Question 6

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

Accepted Answer

We work together to create a strategy and agree on a recipe to manage your account. Then, we execute daily trades to keep your account aligned.

Question 7

How many clients do you currently manage?

Accepted Answer

At the moment, our firm is currently working with about 150 households.

Question 8

Will you be the only person working with me?

Accepted Answer

We are a team, and we work together to serve our clients. I am the Chief Advisor, and I work alongside two Wealth Advisors, a Wealth Advisor/Director of Quality, and an Administrator. You will have the opportunity to interact with all of us as we are all committed to fulfilling our promises to our clients.

Here's the team:  
Matt Kelley, CFP&reg;, AIF&reg;, Chief Advisor
Dave Brown, CIMA&reg;, CPWA&reg; - Wealth Advisor
Dave Day, CFP&reg; - Wealth Advisor
Sam Flaten, CFP&reg;, CHFC&reg;, Wealth Advisor & QA Manager
Megan Kelley, Billing and Compliance Manager

Question 9

Do you offer any guaranteed results?

Accepted Answer

We cannot guarantee investment results (and you should be wary of any firm that does).

At our firm, we believe in working hard to help you achieve the outcomes you value.  While we cannot guarantee results, we'll do our best to maximize the chances of you reaching the aspirations that matter most to you.

Question 10

How much risk should I be willing to take?

Accepted Answer

We have no idea how much risk you should take at this point. In order for us to provide you with an accurate answer, we need to assess your risk tolerance, your risk capacity, your risk composure, and your risk personality. We conduct a thorough evaluation of these factors for every client before making any recommendations.

Question 11

Have you ever been charged with any breaches?

Accepted Answer

No.

Question 12

What services do you provide?  What are your specialties?

Accepted Answer

We help you achieve your financial goals through a variety of services, including:

Financial Discovery and Planning
Investment Management
Tax Planning
Retirement Planning
Education Planning
Estate Planning
Risk Management
Insurance Planning
Business Planning

Question 13

What is your experience?  How many clients do you currently manage?

Accepted Answer

We have been in business for nearly 20 years and currently serve 150 households.

Question 14

What financial institution(s) do you represent?

Accepted Answer

We are an independent Registered Investment Advisor and do not work for any financial institution.

Question 15

What is your approach to financial planning?

Accepted Answer

We take a holistic approach to financial planning, focused on understanding your values, goals, and outcomes. Our process begins with a Financial Discovery Call, where we get to know you and your financial situation. We then hold a BestLife Conversation to learn more about what you value and what your money is for.

Once we have a deep understanding of your needs, we develop a Game Plan that outlines the services we will provide and the price for working with us. We then create a personalized financial Blueprint tailored to your specific goals and outcomes.

We help you put your financial plan into action by managing your money and investing it in a way that is aligned with your goals. We also analyze your tax return to see where we can optimize things to maximize your progress and probability of achieving your outcomes.

Throughout the year, we provide ongoing support and guidance, and we hold in-depth conversations about your specific needs and goals in the areas of insurance,

Question 16

What services do you offer?

Accepted Answer

We help you achieve your financial goals through a variety of services, including:

Financial Discovery and Planning
Investment Management
Tax Planning
Retirement Planning
Education Planning
Estate Planning
Risk Management
Insurance Planning
Business Planning

Question 17

What are your qualifications?

Accepted Answer

We are proud to have a team of highly qualified financial advisors with more than 50 years of combined experience. Our advisors are the best in the business, and most of them hold the highest designation in the financial planning profession - Certified Financial Planners (CFPs). They also hold a variety of other major certifications, such as Chartered Investment Manager Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Chartered Financial Consultant (CHFC). These designations show just how dedicated our advisors are to providing you with the best possible financial advice.

Question 18

What is your approach to 401 K plan rollovers?

Accepted Answer

When it comes to our clients, we always recommend what is best for them. Our compensation model doesn't depend on where the money is held, so we can impartially advise keeping the money in a 401k plan or rolling it over to an IRA, depending on what is right for a particular client. We may suggest keeping the money in a 401k plan if it allows for tax advantages, or rolling over to an IRA if that is more beneficial. Our recommendation is always heavily dependent on the client's specific circumstances and goals.

Question 19

How long does the process of rolling over a 401K plan usually take?

Accepted Answer

Rolling over a 401(k) plan can take anywhere from a few days to a month or longer, depending on the processing time of the plan sponsor. We will guide you through the process.

Question 20

What financial institutions do you represent?

Accepted Answer

We are an independent Registered Investment Advisor and do not work for any financial institution.

Question 21

How many years of experience do you have?

Accepted Answer

We have over 50 years of combined experience.

Question 22

What are your fees for this service?

Accepted Answer

The fees for this service are included in our annual client agreement price.

Question 23

How many 401K rollover clients do you currently manage?

Accepted Answer

We do not perform 401k rollovers for all clients, as it may not be in their best interest. Therefore, it is possible that roughly half of our clients have completed a 401k rollover.

Question 24

Why should I roll over my 401K plan to your firm?

Accepted Answer

Before transferring your 401k to any financial advisor, it is crucial to have a clear understanding of the costs and benefits involved. It's important to closely examine the potential tax implications and the risk of losing the ability to make strategic tax moves, such as Roth contributions. A reputable advisor will guide you through the evaluation of these factors before making any decisions, and won't have their compensation tied to you making a decision to rollover your account.

Matthew Kelley

Our Team