Question 1

Do you have a customer satisfaction or refund policy?

Accepted Answer

Sure! While it is rarely used, basically we are a "pay as you go" service. You pay quarterly, and if you leave, you automatically get a full refund of any unused days or fees.

Question 2

Why should I choose you as my financial advisor?

Accepted Answer

We are a niche small firm nestled in mid-town Tulsa. If you are looking for a family type atmosphere where your team knows you personally and provides a very tailored experience, then we might be your place. We like to work with people that we enjoy, and are growing our client base with clients we mesh well with. Let's meet to see if we are a good fit.

Question 3

What are your qualifications? What is your education background?

Accepted Answer

My degree is in Financial Planning. I have had designations in the past. However, as there are now over 50 designations,     (AAMS® AEP® AIF® APMA® AWMA® BCE CAIA® CAS&trade; CASL® CCIM® CCPS® CDFA® CEBS® CEP® CEPA® CFA® CFF CFM CFP® CFS CIC CIMA® CLTC® CLU® CMA® CMFC® CMT® CPA CPFA CPWA® CRC® CRFA CRPC® RPS® CSA® ChFC® EA FIC FRM® FSA LUTCF® MSFS MST NSSA® PFS&trade; RFC® RHU® RICP®) available for my role, I no longer choose to pick one over the rest. I have 17 years of experience and will gladly give names and numbers of long term satisfied clients if wanted.

Question 4

How do you charge for your services?

Accepted Answer

Fee only, no commissions. Quarterly billed. If we grow your money, we grow our revenue. If your account dips, our revenue is lower and we never get a chance to earn that revenue again.

Question 5

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

Accepted Answer

We are paid quarterly fee only. The rate paid is based on amount invested.

Question 6

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

Accepted Answer

No. We have found clients get better results and are happier with our performance if we don't take time to call every client and explain before we place buys or sells.

Question 7

How many clients do you currently manage?

Accepted Answer

We manage about 200 households. We have a self-mandated cap of 300 households. Want to know more? Just ask!

Question 8

Will you be the only person working with me?

Accepted Answer

We have a team of 5: 2 advisors and 3 admins.

Question 9

Do you offer any guaranteed results?

Accepted Answer

Unfortunately this is not legal in our industry.

Question 10

How much risk should I be willing to take?

Accepted Answer

The old way of doing this was having the client fill out a "risk tolerance questionnaire." However, we found this was equivalent to a doctor asking a patient how much pain they wanted to experience. The new way of doing this is solving for how much risk the client needs to take to meet their goals and building a portfolio to match that risk.

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 are a full service financial firm. We have gone as far as helping people value their businesses, introducing them to business brokers, or even helping a client purchase a car. if it's a financial question, we'd love to help. There's never an extra cost for our help.

Question 13

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

Accepted Answer

We have a very streamlined process that we implement with all of our clients. Each client gets quarterly reviews of their overall plan and can meet as often as they would like with no extra cost. We can make allocation changes as often as necessary without any additional costs to our clients.

Question 14

What financial institution(s) do you represent?

Accepted Answer

We intentionally do not represent any financial institution. We work ONLY for you. We can recommend and hold 99% of products on the market which includes many that people who represent institutions cannot. We use LPL Financial to hold our clients' assets. This makes us a true fiduciary with zero conflicts of interest.

Question 15

What is your approach to financial planning?

Accepted Answer

The old way of doing this was having the client fill out a "risk tolerance questionnaire." However, we found this was equivalent to a doctor asking a patient how much pain they wanted to experience. The new way of doing this is solving for how much risk the client needs to take to meet their goals and building a portfolio to match that risk.

Question 16

What services do you offer?

Accepted Answer

We are a full service financial firm. We have gone as far as helping people value their businesses, introducing them to business brokers, or even helping a client purchase a car. if it's a financial question, we'd love to help. There's never an extra cost for our help.

Question 17

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

Accepted Answer

Maybe you shouldn't. There are MANY reasons a person should keep their 401k at their employer or even previous employer. Let's talk about it and I'll give you a straight answer. Want me to help you manage it at the current plan? We can do that too!

Thomas "Casey" Loper