I’ve never worked with a financial advisor before.  What do I need to bring to the initial meeting?

You can never bring too much information.  A good financial advisor should address all areas of your financial situation.  Some of the obvious documents would be your bank statements and your investment account statements (401k, IRA, etc.)  We will also want to know about your life insurance, your income taxes, and what kind of estate planning you’ve done.  Our job is to make sure that your investments are not only allocated correctly, but are growing for you in the most tax efficient manner.

You don’t necessarily need to bring in your insurance policy or your will, but make some notes for us to review before you come in.

 

Why should I work with a financial advisor when I can invest my money online and not pay any fees?

The same reason that most people will hire an accountant, a mechanic, a plumber or even go to a restaurant.  Sure, you could do all those things for little to no cost at home all by yourself, but would you have the same expertise as a professional?  Is your no-load index fund or ETF going to point out a potential issue with your life insurance, your tax return, or your estate plan?  Definitely not.

 

How much do you charge for a consultation?

Nothing.