Do you have a customer satisfaction or refund policy?
Superior client service is an essential element of building strong, long-term client relationships. We are a deeply committed and experienced team available to answer your questions. After all, your success and satisfaction are ours as well. We understand the importance of response-ability and addressing issues on a timely basis. We stay abreast of your specific goals and strive to provide timely information and updates regularly.
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Why should I choose you as my financial advisor?
Rather than focus on selling products, we are more concerned with building relationships and creating thorough and comprehensive financial strategies that address your short and long-term goals. To avoid conflicts of interest, we employ the solutions we believe best align with your unique situation.
Whether you are investing to build wealth, protect your family, or preserve your assets, our personalized service focuses on your needs, wants, and long-term goals.
Our team of professionals have years of experience in financial services. We can help you address your needs of today and for many years to come. We look forward to working with you.
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What are your qualifications? What is your education background?
Over the years, we have found that a team approach can be an effective method to help clients who have a wide variety of needs as they maneuver through a complex financial-services world. We invite you to discover and experience the power of our services. We believe it has far-reaching benefits for our clients to get opinions from several sources with diverse backgrounds, education, and experience.
No one strategy fits everyone, which is why every client gets our undivided attentionfrom planning to execution to follow-up. We take a proactive approach to help you develop a strategy to address your financial goals and objectives, using the most efficient methods available.
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How are you compensated? How will I pay for your services?
Fees tend to range between 1% to 1.50% annually (billed quarterly) depending on the amount of assets under management. Investment advisory services are fee-only. When there's a fit, solutions such as insurances, 529 college savings plans, and smaller brokerage accounts can be compensated by commissions. If a client or prospective client has no need for these kinds of services, the relationship should be expected to be a strict fee-based relationship in which Coe Financial Group receives no commissions.
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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 managers have discretion over trading the accounts. We manage your money based on your risk tolerance and timeline.
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Do you offer any guaranteed results?
NO GUARANTEES
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How much risk should I be willing to take?
Understanding your needs wants, and emotional urges can be one of the most effective ways to start your investing journey. After all, it was Aristotle who said, "Knowing yourself is the beginning of all wisdom."
The key to building a diversified portfolio that meets your financial needs is to understand your risk tolerance, or how much risk you're able to handle as an investor to meet your goals.
Knowing your risk tolerance will allow a financial professional to develop the most accurate portfolio of assets whether it includes equities, bonds, and/or other investment options to help you build wealth, save for retirement, or pursue other financial goals. As a reminder, all investments involve some degree of risk, some more than others.
To identify your individual risk tolerance, consider the following factors:
Age
Investment objectives and timeframe
Emotional ability to handle risk
What you can afford to lose
How you react when the markets go up and down
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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?
Investment Management
Financial Planning
Retirement Planning
Benefits Plan Optimization
401(k) & IRA Rollovers
Estate Planning
College Planning
Business Planning
Cash Flow Analysis & Debt Management
Insurance
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What is your experience? How many clients do you currently manage?
At Coe Financial Group, with over 200 families invested, we work with a diverse range of clients, from Millennials building their careers and families to couples transitioning into retirement. Whether you seek to build assets or preserve your wealth in retirement, we create cohesive financial strategies that address all elements of your financial picture.
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What financial institution(s) do you represent?
Registered Representatives offering securities through First Allied Securities, Inc., a registered broker/dealer, member FINRA/SIPC. Advisory services are offered through First Allied Advisory Services, Inc., a registered investment adviser. First Allied entities are under separate ownership from any other named entity.
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What is your approach to financial planning?
Generally speaking, there are three phases of retirement planning: building assets ten or more years prior to retirement, transitioning into retirement, and maintaining those assets through the years of retirement. At Coe Financial Group, we work with you throughout all three phases. We help you face many new decisions, such as determining when to claim Social Security, how to potentially reduce taxes, how to create a stream of income that matches your lifestyle, and how to leave a legacy to your family. Beyond developing your retirement plan, we also provide ongoing support as you live in retirement, from offering guidance to adjusting a plan based on personal, legal, or economic changes.
Our goal is to help you avoid the common pitfalls people make, develop a comprehensive retirement plan that addresses your unique needs, and offer you support throughout your retirement years.
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What services do you offer?
With fluctuating markets and ever-changing financial needs and goals, it's not uncommon to feel uncertain about your financial future. Are you on the right path toward retirement? How can you pursue greater career success? Where is the fine line between paying off debt and having enough liquidity? When you are looking for financial guidance, it's important to work with a financial partner you can trust to provide you honest recommendations, customized strategies, and individual support. At Coe Financial Group, our mission is to fill that role.
Because we are an independent firm, we place your interests first. Building you a sound financial future is our number one priority. To learn more about how we can help you work toward making your financial dreams a reality, contact our office today. Based in Deerfield, Illinois, we work with clients in the greater Chicago area and multiple other states.
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What is your approach to 401 K plan rollovers?
Rolling over the assets in your workplace retirement plan to an IRA can be a great move. IRAs typically offer more investment choices while allowing you to continue accumulating earnings on a tax-deferred basis.
However, making a rollover mistake can have a dramatic impact on your income in retirement. For example, if you personally receive the funds from your 401(k) or other workplace savings plan and fail to move them into an IRA within 60 days, your assets will lose their tax-deferred status. You may also have to pay a penalty of 10% or more.
Before deciding whether to retain assets in a 401(k) or rollover to an IRA, consider these factors:
Investment options
Fees and expenses
Services
Withdrawal penalties
Protection from creditors and legal judgments
Required minimum distributions
Possession of employer stock
Clearly, its important to handle your hard-earned retirement savings with care.
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How long does the process of rolling over a 401K plan usually take?
Anywhere from a week and a half upwards of 2 weeks.
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How many years of experience do you have?
25 years
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What are your fees for this service?
Negotiated
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