Do you have a customer satisfaction or refund policy?
In the event of termination of the investment agreement by written notice from the client mid-quarter, a rebate for the pro- rated amount of the fee not used is sent by check to the client or back to the brokerage account where the fee was paid.
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What are your qualifications? What is your education background?
I am a CERTIFIED FINANCIAL PLANNER® professional and also hold a Chartered Retirement Planning Counselor" designation. I received a Bachelor of Arts in Economics from Colorado State University in Fort Collins, CO.
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How do you charge for your services?
As a client of Howe & Rusling you will pay an AUM fee on the assets we manage for you. All services are provided under the AUM fee. Most clients choose to have fees deducted from their accounts directly. However, clients can elect to receive an invoice and pay fees by check.
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How are you compensated? How will I pay for your services?
As a client of Howe & Rusling you will pay an AUM fee on the assets we manage for you. All services are provided under the AUM fee. Most clients choose to have fees deducted from their accounts directly. However, clients can elect to receive an invoice and pay fees by check.
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If you are going to manage my account, will you obtain my permission every time you buy or sell something?
We have discretionary trading authority for our clients' accounts which means that we do not obtain client permission prior to trading in client accounts.
We have the authority to determine the securities and the amount of securities to be bought or sold in a client's account subject to the terms of your client agreement and according to the investment objective discussed and agreed upon by H&R and the client. The terms of the investment discretion and investment objective are specifically spelled out in the client agreement and client investment objective, signed by the client prior to investing. We do allow clients to impose restrictions for certain investments. These restrictions generally regard issues relating to asset mix, individual securities, and investment characteristics (e.g. debt rating, foreign investments, social issues). We have a fiduciary obligation to the client with respect to the management of his/her accounts.
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Will you be the only person working with me?
I will be your primary point of contact at Howe & Rusling. I am supported by a team of professionals including financial planners, operations specialists, investment analysts, and trading operations specialists. In addition to me, you will have direct contact with a Client Service Manager who will assist with transactions and updates to your account, and a financial planner who I collaborate with to develop and present your financial plan.
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Do you offer any guaranteed results?
Howe & Rusling cannot guarantee investment results. We work with clients to design strategies to help manage various investment risks and we perform market and economic research to develop our investment strategies. However, views regarding the economy, securities markets or other specialized areas, like all predictors of future events, cannot be guaranteed to be accurate and may result in economic loss to the investor. All investing involves risk, including the potential loss of principal. There is no assurance that any investment strategy, including asset allocation, rebalancing, and diversification, will be successful or achieve its objectives. These strategies do not guarantee a profit or protect against loss in declining markets.
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How much risk should I be willing to take?
The appropriate level of investment risk for you is unique to your circumstances. I help clients determine their risk level prior to recommending an asset allocation or investment strategy by assessing risk tolerance (how you feel about risk), risk capacity (your financial ability to take on risk), and time horizon (when you need to access your investments for spending) along with any other special factors that need consideration.
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Have you ever been charged with any breaches?
No.
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What services do you provide? What are your specialties?
Howe & Rusling provides professional investment management and holistic financial planning services. We specialize in developing income-oriented portfolios and individual stock and bond management.
I specialize in retirement planning and helping my clients navigate life transitions such as retirement, receiving an inheritance, career changes, and more.
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What is your experience? How many clients do you currently manage?
I have worked in the financial services industry since 2011. I began my career in banking and transitioned to investment management and financial planning in 2016. Prior to joining Howe & Rusling as a Wealth Manager, I worked as a Senior Wealth Advisor at Empower and a Senior Financial Consultant at T. Rowe Price.
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What financial institution(s) do you represent?
I am an Investment Advisor Representative of Howe & Rusling, an independent Registered Investment Advisor firm registered with the Securities and Exchange Commission.
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What is your approach to financial planning?
Financial planning involves looking at your entire financial picture and advising you on the best way to achieve your short- and long-term financial goals. In other words, it's charting a path together in the hope of getting you where you'd like to be financially.
We use robust, sophisticated financial planning software that helps us figure out the most efficient way of helping you get where you'd like to go. It takes into account all of your assets and income, as well as your debts and expenses, but also incorporates more complex factors such as compounding interest rates and taxes. This rigorous process helps us draw smart, informed, scenario-tested conclusions about the best course of action for you to reach your financial goals. And the result is a living, breathing financial plan that acts as a North Star for your wealth management strategy.
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What services do you offer?
We offer investment management services and comprehensive financial planning services. Our financial planning services address some or all of the following areas:
Personal: Family records, budgeting, personal liability, estate information, and financial goals.
Tax & Cash Flow: Income tax and spending analysis and planning for past, current, and future years as well as the impact of investments on current and future income tax liability.
Death & Disability: Cash needs at death, income needs of surviving dependents, estate planning, and disability income analysis.
Retirement: Analysis of current strategies and investment plans to help the client achieve his or her retirement goals.
Investments: Analysis of investment alternatives and their effect on a client's portfolio.
Estate Planning: Analysis of financial issues with respect to living trusts, wills, estate tax, powers of attorney, asset protection plans, and elder law.
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What are your qualifications?
I am a CERTIFIED FINANCIAL PLANNER® professional and also hold a Chartered Retirement Planning Counselor" designation. I am registered as an Investment Advisor Representative with the Securities and Exchange Commission.
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What is your approach to 401 K plan rollovers?
The decision to rollover a retirement account to an IRA is an important one. A rollover may not be the right choice for every client. This begins with a discussion about all available options to help you understand the pros and cons of each including available investments, services, and fees, so you can choose the option that is right for you.
If our client decides that they want to rollover a retirement plan balance to an IRA, we can facilitate the rollover by helping establish an IRA and assisting with the rollover request.
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