Our mission is to partner with clients to establish and achieve financial goals through objective planning and investment management programs. Our purpose is to help build, manage, and preserve your wealth. We put our client's interest first, act with integrity and honesty, and strive for excellence in every facet of our practice. Our success is not measured by performance statistics but rather by helping our clients achieve their goals.
|Firm Start Year:||2006|
|Name of Custodial Firm:||Fidelity Investments|
|States Licensed in:||OH, MI, IN, FL,|
|Number of Years with Current Firm:||5|
|I work with the following types of clients:||Businesses, Business Owners, Non-Profit Organizations, Individual Investors|
|Investment Types:||Insurance, Commodities, Alternative Investments, Annuities, Stocks, Bonds, Exchange Traded Funds (ETFs), Mutual Funds, Socially Responsible Investments (SRI)|
|I can meet clients in the following ways:||At your office, Via phone, At my office, At your home, Via email|
Qualifications & Memberships
|Insurance and Annuity Licenses:||Disability, Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity|
|Financial Organization Memberships:||Society of Financial Services Professionals, Financial Planning Association (FPA), National Association of Insurance and Financial Advisors (NAIFA)|
|Non-Financial Organization Memberships:||Toledo Estate Planners|
|Investment Advisor Representative:||Yes|
|I am an acknowledged fiduciary:||Yes|
|Compliance Disclosures in Last 5 years:||I have a clean record|
|Criminal Disclosures in Last 5 years:||I have a clean record|
Compensation and Fees
|Fee Structure:||Fee-Based (Fee and Commissions)|
|Minimum Portfolio Size for New Managed Accounts:||$100,000|
|Compensation Methods:||Based on Assets, Flat Fee, Commissions|
Matthew Garrow is a registered representative of Sigma Financial Corp.
Securities offered through Sigma Financial Corp. Member FINRA/SIPC. Fee based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor
Financial Planning for Individuals
At Engler, Garrow & Roth, Ltd. we have adopted the financial planning process by creating our own proprietary AdviceSolutions Consulting Methodology. This disciplined and repeatable process enables us to provide our clients with the highest quality comprehensive financial planning experience. Specifically we view financial planning as a continuous and circular process of: Establishing and clarifying relationships, processes, expectations, costs, deliverables, etc. Identifying client goals and objectives Gathering data to quantify the clients current situation Developing recommendations to help achieve the clients goals and objectives Implementing agreed-upon elements of the plan Monitoring the plan, situation, and progress towards the clients goals While the financial planner performs much of the work, the client must be committed to the process and fully participate at each step. If the client doesnt own their financial plan, it will not get implemented, or it will be abandoned during the inevitable bumps in the road. The elements of our comprehensive financial planning services are summarized below. Our services are oriented toward developing written strategic financial plans for solving specific problems and/or reaching specific goals depending on family or business needs. Please note that we also utilize tax reduction strategies in our planning. Understanding the tax implications of an action is an essential component of every plan, but is typically a secondary consideration. An action must make sense outside of the tax implications to be considered a viable strategy.
Financial Planning for Businesses
You have worked hard to build your business and keeping the family farm or business intact through the generations is of utmost importance to you. This can be accomplished if the proper planning is done in advance. Strategies can differ depending on whether your business is a Family Limited Partnership, Limited Liability Company, C Corporation, Subchapter S Corporation, or Sole proprietorship as each has its own advantages and disadvantages. Engler, Garrow & Roth Ltd., along with your attorney and accountant can help you decide which is best for you once we have determined your current situation and your goals for the future. We incorporate this type of planning with your Estate Plan in order to best address the concerns of continuing the business as well as providing equity to those heirs who may not be involved in the family business. Engler, Garrow & Roth Ltd. does not give legal, tax or accounting advice. We will however work with your attorney and accountant to provide you with a coordinated plan to meet your goals.
The most important goal on many of our clients minds is retirement. Considering that many retirees will live thirty- five or more years in retirement, its not surprising that it is the most important financial goal most people have. But retirement is about much more than just money. The concept of retirement is changing. And so are the ways that people prepare for it. For some, retirement means lots of leisure time to pursue hobbies and interests. For others it means a change to part time work, and still others will spend their new found free time with family members or as a volunteer in the community. Whatever your plans for retirement may be, we are here to help you prepare financially for what could be the most rewarding part of your life. We can help you determine the most effective vehicles to use in saving for your retirement. And we can help you determine whether you will have sufficient resources to support the lifestyle you desire. If there is a gap in your plan, we can identify your options and develop a plan to help you achieve your goal.
|Mon.||8:30 AM - 5:00 PM|
|Tue.||8:30 AM - 5:00 PM|
|Wed.||8:30 AM - 5:00 PM|
|Thu.||8:30 AM - 5:00 PM|
|Fri.||8:30 AM - 5:00 PM|