Who do you work with? What makes your client experience unique?

Our practice works with women who are working or are retired. We best serve professional women, women business owners and we are also adviser to small & mid-size 401(k) plans.  The focus of my practice is working with women who want to maximize their financial potential by developing a complete financial plan and have their investment accounts managed professionally. My clients are earning a good income and know they need to do more to manage their assets, but either are too busy to stay on top of their finances or don't know where to start. They also know that people that work with a financial advisor save more and have larger investment accounts than people that do not work with a financial adviser.  My clients are married or single, but they all have one thing in common: they want to be actively involved with their finances.

We have the culture of a small firm, with the resources of a large firm. Because of my prior experience with working for one of the largest wealth management companies in the world, I have been able to take the good parts of that experience and deliver "large firm expertise" to my clients in a personal "small firm" way. What makes our client's experience unique, is since we are independent advisers we partner with the most experienced and reputable financial service firms in the industry. We utilize the resources available to us from: First Trust Advisors L.P, State Street Global Advisors, BNY Mellon-Pershing (custodian & broker-dealer), Morningstar Advisor, JP Morgan Asset Management, Vanguard Advisor, & Oppenheimer Funds.  By partnering with these large firms, we are able to deliver to our clients the best and most up-to-date research, economic data and asset management strategies.

We offer virtual and in-person meetings.  My clients can meet with me in the comfort of their home, via a video call.  I make my client experience as stress-free as possible, by making our interactions as convenient as possible.  All of our conversations, are of course completely confidential. My clients tell me I am very easy to talk to because I actively listen and I am non-judgmental. I truly care about my clients and I want them to have the best life possible through our work together! Because of my many years of experience as a financial adviser (since 2003), and my previous experience in management for a national healthcare organization and an internet start-up, I offer a very knowledgeable perspective. I am very accessible and I am available to you most anytime!


What is the benefit of having my investment accounts managed by a financial adviser?

A financial adviser will develop a investment plan based on your individual situation and goals and keep you on-track by providing you with feedback and reports that track your progress. As investment professionals we have access to institutional investments that have lower expense ratios than other share classes, which can lower your investing costs. There have been numerous studies that show that investors do benefit from obtaining advice from a financial adviser. Even when deducting the fees charged by the financial adviser, investors obtain higher returns on their retirement account when they sought advice from financial adviser, compared to investors that did not seek advice.

What is the process for financial planning? Why should I have a financial plan?

We can begin your financial planning in a few different ways. For clients that have never had a financial plan, the best starting point is to determine a "snapshot" of where you are currently financially, and where you would like to go. We would then add detail along the way to allow us to make informed decisions.  For clients that do have an existing financial plan, we will work to find any gaps or unanswered questions, and update the plan to reflect the clients current goals based on the current tax and economic climate.  For clients that have a specific area of focus and do not want a comprehensive financial plan, we can address the pressing issue and offer advice limited to that specific issue.

However, any financial plan is only as good as the information that was gathered. A very detailed comprehensive plan can only be accomplished by obtaining detailed information.

The fees for financial planning can be billed on an hourly basis for specific short-term projects, or on a per-month set fee for ongoing comprehensive planning.

Why should you have a financial plan?

As with all things in life, achieving any goal begins with a plan. Determining what you want to achieve and then writing down how you are going to accomplish your goals is the first step. Implementing your plan is the next step. Monitoring and measuring and adjusting the progress is the following step. A key factor in the success of your plan is the expertise that we provide, the accountability that we place on you, and the feedback and encouragement we give you to help you be successful in achieving your goals.


Where are my investment accounts "held", who is the custodian?

Bank of New York Mellon-Pershing is the custodian we have partnered with to provide secure custody of client accounts. Pershing provides exceptional financial strength for our clients accounts. With $1.8 trillion in global client assets, Pershing is committed to the safekeeping, servicing, segregation and reporting of client assets for almost 80 years. Pershing protects client assets through rigorous internal control measures and is a business-to-business organization; providing global financial solutions to registered investment advisers, family offices, hedge fund managers, broker-dealers and wealth managers.  Pershing is a FINRA member broker-dealer registered with the U.S. Securities and Exchange Commission and a member of SIPC (Securities Investor Protection Corporation), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). SIPC coverage does not protect against loss due to market fluctuation.

What is a Registered Investment Adviser?

A registered investment adviser (RIA) is an independent firm that typically offers investment advice and or financial planning. RIA's are fiduciary's and must act in the best interest of their clients at all times.  RIA advisers offer non-conflicted advise.  A RIA adviser does not have a financial incentive to recommend one investment over another. We believe this is the best way to serve clients and this is why we began our firm.

 

What are Institutional Shares, or "i" shares?

Institutional shares are a class of mutual fund shares available to institutional investors.  Institutional mutual fund share classes typically have the lowest expense ratios among all of a mutual fund's share classes.  "i" shares typically have a minimum purchase that must be met. Individual investors can only access "i" shares through a financial adviser.  We are able to purchase "i" shares for our clients.  In  addition to having low expense ratios, "i" shares do not have sales charges when purchased through a registered investment adviser. This is one of many ways in which we save our clients money!


What other services do you offer?

We offer risk management planning which entails purchasing life insurance to protect a family in case of the loss of the primary earner, or in a business setting, insurance is used to facilitate the the purchase or sale of a business partnership. We are able to obtain insurance for our clients from the top insurance companies which allows us to find the best solution for our client for the best value.


Can you help me find a CPA or trust attorney?

We can assist our clients with finding the needed financial professionals to handle their tax filings or legal needs.  We do not have any "connection" with any person or firm we might suggest and we would not receive any compensation for offering the name of such financial professionals.