Frequently Asked Questions

A: Absolutely. Depending on what firm your employer uses to administer its plan, we will have varying degrees of direct control over your 401(k) or 403(b) assets. We will devise a solution that allows us to manage these assets and include them as a part of your overall portfolio allocation strategy.
A: If you have accounts with previous employers, it is generally best to consolidate them with your other accounts. Rolling your old 401(k) or 403(b) accounts into an IRA will give you access to a greater selection of investments and will help to organize your financial holdings. It would be our pleasure to help you consolidate your old accounts and add the new funds to your existing asset allocation strategy. As with all other aspects of your accounts, you can expect us to handle the paperwork burden associated with this process.
A: Yes. All clients can enroll in online account access where they will have 24/7 access to up-to-date information about their accounts. They will also have the ability to view past statements, trade activity, and important tax related documents online. Once enrolled in online access they can log in directly from our website by clicking the Login link at the top of the screen.
A: We are a fee-only advisory firm, with quarterly billing in arrears, calculated as a percentage of assets managed. Typically, our fee is automatically deducted directly from your investment account(s) under management.  You’ll receive separate monthly or quarterly account statements from your independent asset custodian, so you can verify that our billing meets your expectations.
A: IRS Code Section 212 states that investment advisory and financial planning fees may be deductible as miscellaneous itemized expenses to the extent that they exceed 2% of your adjusted gross income. Other miscellaneous itemized expenses in the same category are fees paid for a safe-deposit box, estate planning, tax preparation, attorney, legal and other items. We encourage our clients to ask their CPA about the deductibility of fees.
A: We work with our clients to develop pre-legal organization and planning to help them leave behind financial legacies in accordance with their wishes. We will help you properly title your assets so as to minimize the cost and time burden on your executor and/or trustees upon your passing. However, we are not attorneys and would recommend that you deal with a qualified professional when drafting critical estate planning documents. If you do not currently have a relationship with an estate planning attorney and you would like a referral, we would be happy to provide one.
A: We are happy to work directly with your estate planning attorney and accountant in order to make certain that your whole team of financial professionals is working together towards your goals.