Advice for Savvy Retirement Planning

Become a Client

If you’re looking for a financial advisor there’s a possibility we could be a good fit. Before contacting me please read the short description of who I typically serve and how I work. If you think there’s a possibility we’d be a good fit then feel free to get in touch via phone or email for a complimentary, no obligation initial interview.

Who I serve:

I’ve been very fortunate to have a great group of clients for many years. While each client is unique there are a few commonalities that might help you determine if you would also benefit from my services.

  • Most investment clients are either retired or within 10 years of retirement.
  • Most clients are fairly conservative investors that place high value in the safety of their investment plan and less emphasis on taking high risk in an effort to generate maximum returns.
  • My clients are patient, long term investors committed to having a custom asset management plan to work for the rest of the lives – not short term trading that may or may not work.
  • Most clients are successful, family oriented, community involved people with life purpose that far exceeds just money and personal belongings.
  • Many of my clients are current or former employees of Pfizer, General Dynamics, and L&M Hospital, to name a few.
  • I have a particular expertise in working with divorcing and/or widowed women. I am a Certified Divorce Financial Analyst, and there are some nuances that are very specific to divorce cases where I have experience and insight.

How I work:

I am an independent, fee-only financial advisor that proudly acts as a Fiduciary for my clients. This means I always strive (and am required by law) to put clients interests far before my own in all recommendations I make.

Each client receives a custom investment management plan geared towards their unique financial goals and objectives. We build these plans around life events such as retirement, wealth transfer, business succession planning, family changes, and asset protection.

As is hopefully evident by my blogging activities – I communicate regularly with clients via email. My experience is that it is very, very difficult for financial advisors and investment managers to actually perform their job if they are on the phone or in meetings all day, every day. In order to best serve clients, it is important to constantly monitor the investment landscape, and be in a continuous learning mode. As such, I utilize technology and electronic communication extensively.

I visit with each client once or twice per year and provide unlimited email support between meetings. Some of my clients are local to Southeast  CT – but many are from all over the United States and we work together virtually. Under this arrangement we use web conferencing, phone, and email to regularly communicate. It is my experience that it does not matter whether a client lives 5 miles or 500 miles away. I offer the same level of service to both.

I run a very planning-focused firm. Rather than just stuffing my clients in a basket of mutual funds and moving on, we spend a great deal of time – especially in the beginning of our relationship – establishing goals, in writing, outlining how the investments will be managed. But no investment plan can be complete without a thorough understanding of a client’s overall financial life. As an investment-management client, financial planning is part of the service we offer (at no extra cost).

What I Charge:

For clients that want ongoing management of their investments, fees are based on a percentage of assets under management. For asset management we strive to keep costs as low as possible, so clients can keep more of their return (the way it should be). If you’d like complete details of my firms fee schedule just use the contact form on my site or send me an e-mail and I’m happy to provide an estimate for your situation.

When we manage accounts it is done so via an independent custodian and we never (ever) take custody of client assets. This is important as it helps protect investors from fraud and theft. It also ensures I never make a commission for transactions since I am not a representative of any financial custodian. Our clients assets are generally held with First Clearing Corporation (a division of Wells Fargo) though we have the ability to work with others if the situation calls for it.

For clients that just need a one-time financial checkup or financial plan (and do not require ongoing investment management), I charge a simple, low, flat fee for financial planning. The planning fees generally range from $500 up to $2,500 (for more extensive analysis such as when private businesses are involved). In all cases, the fee will be quoted in advance of planning.

For clients that  are going through divorce, primarily in the pre-divorce phase or during the divorce process, the fees are entirely dependent on what type of services are required (ie. mediation, collaborative divorce, divorce settlement analysis, etc.). If a client engages us in the post-divorce phase, the standard financial planning fees would apply.

What I Do For Clients (all over the USA):

Most importantly I feel it is important that clients and their advisors get along and work as a team. Good financial planning and investment management doesn’t work overnight. It takes time, patience, and trust.

I’ve done the best I can at structuring my work and services in a manner that gives clients personal attention and financial management support. I know there is always room for improvement and always strive to get better at what I do each day. My uncompromising promise is to take the hundreds of hours of research I do each year and leverage it to benefit those who place their trust with me and my firm.

Due to advancements in technology I’m happy to work with investors all over the United States (as briefly mentioned above). We have a wonderful web-based virtual meeting program that allows me to work with clients in a very personal manner despite being hundreds or even thousands of miles apart. If you’ve never thought about working with an advisor virtually – I think you’d be pleasantly surprised how easy, efficient, and enjoyable it can be. If you live in lower New England I’m more than happy to meet you at our location (or your home or office) personally as well.

Could we work Together?

If after reading above you’d like to have a conversation about working together I’d be happy to invest an hour of my time getting to know you better, your financial goals, and help determine if there’s value I can provide in your life. I do all of my initial appointments via the phone (unless you live locally and we can meet in our office). To set up an initial meeting, have your questions answered, and to see if we could be a good fit – just send us an e-mail or give us a call.

phone: 860-245-5078
31 Willow Street, 2nd Floor
Mystic, CT 06355
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