Question 1

Do you have a customer satisfaction or refund policy?

Accepted Answer

Absolutely. Your satisfaction is paramount. If our service doesn't add value for you, we'll refund your money.

Question 2

Why should I choose you as my financial advisor?

Accepted Answer

Choose Advise Financial for our unbiased, fiduciary, Fee-Only advice: your best interest is always our only interest. We don't sell financial products or annuities, eliminating conflicts of interest. We genuinely offer hourly services for total flexibility, allowing us to validate your strategy without long-term commitments. We empower high-net-worth retirees with education and clear plans in tax optimization (Roth conversions, RMDs) and wealth management. With us, you get a trusted partner focused purely on your financial peace of mind, not on commissions.

Question 3

What are your qualifications? What is your education background?

Accepted Answer

Our founder, Alonso Rodriguez, is a CERTIFIED FINANCIALPLANNER® CFP®, the industry's gold standard, backed by 27 years of deep experience. This rigorous designation demands extensive education in financial planning, ethics, and continuous professional development, ensuring expert and client-centric advice. He holds a Bachelor's degree in Business Administration (with a concentration in Banking and Finance), a Master's degree in Finance, and a postgraduate degree in Financial Planning from Boston University.

Question 4

How do you charge for your services?

Accepted Answer

We operate on a transparent fee-only model. For asset management, our annual fee is 0.75%. Additionally, we offer hourly consultations at a rate of $300 per hour for specific needs, such as portfolio validation. You'll always know exactly what you're paying, with no hidden commissions, product sales, or annuities influencing our impartial recommendations. We focus exclusively on your financial well-being

Question 5

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

Accepted Answer

We operate on a transparent fee-only model. For our comprehensive planning and portfolio management services, you pay a transparent fee. Additionally, we offer hourly, one-time consultations for specific needs. You'll always know exactly what you're paying, with no hidden commissions, product sales, or annuities influencing our impartial recommendations. We focus exclusively on your financial well-being.

Question 6

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

Accepted Answer

Once your personalized investment strategy is established and you grant us discretionary authority, we manage your account to efficiently execute that strategy without needing your permission for every single transaction. This allows for agile responses to market changes. We review your portfolio and plan with you on a regular basis to ensure alignment with your goals.

Question 7

How many clients do you currently manage?

Accepted Answer

We serve over 200 clients, prioritizing quality relationships and personalized attention at all times. Our approach enables us to deliver dedicated, strategic support tailored to each client's unique objectives.

Question 8

Will you be the only person working with me?

Accepted Answer

While our founder, Alonso Rodriguez CFP®, is your primary contact and the key strategist who will work directly with you, you'll also benefit from the support of our administrative team. This ensures all operational and support tasks are handled efficiently, allowing our CFP® to focus on providing you with the best personalized financial advice.

Question 9

Do you offer any guaranteed results?

Accepted Answer

As a fiduciary firm, we're ethically and legally prohibited from guaranteeing investment results. Financial markets inherently involve risk. Our commitment is to provide unbiased, expert advice, build robust strategies, manage risk diligently; and guide you toward your financial goals with the highest standard of care.

Question 10

How much risk should I be willing to take?

Accepted Answer

We determine your ideal risk level by employing the latest technology to identify your unique profile. This allows us to design your portfolios that not only align with your financial goals but also reflect your true comfort with risk.

Question 11

Have you ever been charged with any breaches?

Accepted Answer

No, neither Advise Financial nor our founder, Alonso Rodriguez, have ever been charged with any regulatory breaches or disciplinary actions. We operate with the highest ethical standards and maintain a clean compliance record, which can be independently verified through FINRA BrokerCheck.

Question 12

What services do you provide?  What are your specialties?

Accepted Answer

We offer comprehensive financial planning, portfolio management, and hourly consultations for strategy validation and refinement. We specialize in tax planning, being experts in Roth Conversions and RMDs, and creating robust strategies for your retirement income. Additionally, we educate the community with free monthly webinars. Rest assured, you'll always have direct access to our CFP®.

Question 13

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

Accepted Answer

With 27 years of experience, our founder, Alonso Rodriguez, is a top-tier CFP®, recognized as a "Top 100 Financial Advisor" by Investopedia and ETF.com. Beyond his extensive track record, we serve over 200 clients, prioritizing quality relationships and personalized attention to ensure dedicated, strategic support tailored to their goals.

Question 14

What financial institution(s) do you represent?

Accepted Answer

We are an independent, fee-only Registered Investment Advisor (RIA). We don't represent any specific financial institutions, banks, or brokerage firms, nor do we sell their products. This complete independence is fundamental to our fiduciary commitment, ensuring our advice is always unbiased and exclusively tailored to your unique financial needs and goals.

Question 15

What is your approach to financial planning?

Accepted Answer

Our approach is holistic and client-centered. We begin by fully understanding your goals, values, and financial situation. We then develop a personalized consultation.
A key aspect of our service is the flexibility of our hourly consultation option. We understand that many people, especially those with existing financial plans or who manage their assets, simply need an expert to validate their strategy. Perhaps you don't need complete asset management but want reassurance that you're on the right track. Our hourly service offers just that: validation and expert, unbiased guidance on your current plan, enabling you to make informed decisions for your financial future. We are experts in Roth Conversions and RMDs.

Question 16

What services do you offer?

Accepted Answer

We offer comprehensive financial planning, portfolio management, and hourly consultations (including portfolio validation). We specialize in tax optimization for retirees and pre-retirees (experts in Roth conversions and RMDs) and in developing robust strategies for your retirement income. We also provide free monthly educational webinars to the community.

Question 17

What are your qualifications?

Accepted Answer

Our CFP® designation and 27 years of specialized experience in retirement planning make us highly qualified. As fiduciaries, our expertise in tax-efficient strategies, such as Roth conversions and RMDs, is crucial for optimizing your 401K rollover to benefit your long-term financial health.

Question 18

What is your approach to 401 K plan rollovers?

Accepted Answer

Our approach is highly customized, as we build portfolios tailored to each client's financial metas. We analyze your unique situation and metas to determine the best rollover option (e.g., IRA, Roth IRA). We guide you step-by-step, explaining the tax implications and ensuring the rollover perfectly aligns with your overall retirement income plan.

Question 19

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

Accepted Answer

The 401K plan rollover process can vary. Still, it generally takes between 3 to 4 weeks from initiation to the final consolidation of funds.

Question 20

What financial institutions do you represent?

Accepted Answer

With 27 years of dedicated experience in financial planning, our founder, Alonso Rodriguez CFP®, has guided numerous clients through successful 401 (k) rollovers. Our expertise spans various scenarios, focusing on tax-efficient transitions and ensuring that these funds seamlessly integrate into your broader retirement income strategy, particularly about Roth conversions and RMDs.

Question 21

How many years of experience do you have?

Accepted Answer

Rolling over your 401K can offer you greater control, more investment options, and potential tax optimization. By consolidating your assets, you simplify management and administration. You can access a broader range of investments that may not be available in your previous plan. Furthermore, we can structure the rollover to take advantage of tax benefits, especially with Roth IRA conversions, aligning it with your long-term financial goals.

Question 22

How many 401K rollover clients do you currently manage?

Accepted Answer

.

Question 23

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

Accepted Answer

You should roll over your 401K to our firm for our unbiased, fiduciary, Fee-Only advice: your best interest is always our only interest. We don't sell financial products or annuities, eliminating conflicts of interest. We specialize in tax optimization for retirees (Roth conversions, RMDs) and building robust strategies for your retirement income. With us, you get a trusted partner who provides expert; personalized advice focused purely on your financial peace of mind

Alonso Rodriguez Segarra