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Before we can plan, we need to know where you are and where you want to be. We begin with a free, no-strings-attached meeting that helps us understand who you are, what is important to you, and how we can help. We achieve a clear understanding of your short-term and long-term needs and aspirations. This process helps us learn more about your goals. We work to understand your current obligations, limitations, and preferences. For example, clients often have a short-term expected cash flow needs, like college planning. Other clients have investment restrictions based on their job. Incorporating all available data into our analysis is critical for developing a robust financial plan.
The financial industry has an ugly truth: excessive and often hidden fees charged for investment products run rampant. As part of our initial consultation with prospective clients, we offer a free fee review. This helps you understand the fees you pay on your existing investments, and covers any fees you may be paying for advisory, brokerage or custodial services, as well as expense ratios on your securities and fund investments. We also present potential options for you to save on fees through more cost-effective investment options.
Lowering the burden of unnecessary fees paid by clients is always time well spent. We often find that we can save clients a significant amount of money on fees, which is a fantastic mechanism to further compound your wealth. Simply put, the long-term impact of reducing fees is substantial. Even saving half a percent per year in fees has dramatic consequences on your wealth over decades.