Investments
Using the resources you have to not only grow wealth, but reach your goals.
About us
We’re a group of independent advisors who’ve come together to offer additional value to our clients. We may be smaller firms, but we think big. As a network, we’re able to collaborate, share resources such as client seminars, investment research, technology solutions, and contingency plans. We offer several convenient meeting locations and the ability to meet virtually as well.
Planning
Developing a plan while considering your life as a whole is an integral part of wealth management.
Insurance
It’s important for investments and insurance to work together to bring efficiency, value and protection to round out a financial plan.
Meet Us
Every one of our team members is devoted to delivering the finest possible designs.
“Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.”
Frequently Asked Questions
Each advisor generally provides access to a full range of investment products that is determined based on his or her licensing. The account program you select may also have a bearing on the specific investments. Your advisor may also be able to offer you financial planning services and investment advisory services if they are a member of the LPL Registered Investment Advisory (RIA) firm.
For a more detailed answer to this question please see the LPL Client Relationship Summary (CRS) available through your advisor.
Fees and costs are typically structured as commissions and service fees or investment advisory service fees, depending on the type of account you establish. In addition, there are various fees that mutual funds and annuity companies will charge. Services such as: if you have an account on their platform including, commissions, annual IRA fees and account maintenance fee’s.
For a more detailed answer to this question please see the LPL Client Relationship Summary (CRS) available through your advisor.
We are paid through either investment advisory fees that are charged quarterly or through commissions for transactions. Typically, accounts are not set up for both forms of payment. Specific fees and charges will vary from one client to the next.
For a more detailed answer to this question please see the LPL Client Relationship Summary (CRS) available through your advisor.
Again, your specific fees and costs will vary depending on the account type and possibly frequency of trading activity in brokerage (non advisory) accounts. Advisory accounts have an annual fee that is stated up front in the account opening paperwork and deducted from each account quarterly.
Our custodian will also vary depending on your account structure/set-up. Brokerage accounts are set up through LPL Financial. Other accounts may be custodied by a third party through a mutual funds or other third party asset manager.
For a more detailed answer to this question please see the LPL Client Relationship Summary (CRS) available through your advisor.
These can vary from one person to the next within our group. Our levels of experience vary from a few years of experience in the business to those with over 25- 30 years. Some of us also have professional designations such as the CFP, (Certified Financial Planner) or CASL (Chartered Advisor for Senior Living), or credentialed Medicare specialist, along with their securities and insurance licenses.
After initial meetings to establish needs and discuss goals/time horizons, accounts are established. Actively managed advisory accounts have reviews at least annually. Other accounts that have longer term “buy & hold” positions, may be reviewed less frequently each 2-3 years.
Each of us are willing to meet with their clients as needed when life changes and may prompt a need to update things. After a period of working together it is not uncommon for clients to end up with annual reviews meetings either in person or virtually.
We also accept phone and email questions on miscellaneous topics that will come up throughout the year. Our adminsitrative associates are also an integral part of our team and assist with the gathering of initial account opening information and important updates to beneficiaries, addresses, employment information, as well as access to the client portal at LPL, Account View.
That is a question for an individual advisor as each of us tends to work with a different mix of individuals, businesses, trusts and retirement plans. Account types vary from general brokerage accounts to various types of IRAs, 401ks and other workplace retirement accounts as well as estate accounts and trusts.
Depending on your risk tolerance, goals and time horizon your portfolio may include numerous asset classes including domestic and international stocks of small-, mid- and large-cap companies, short & long term bonds, real estate and alternative investments. *Asset allocation does not ensure a profit or protect against a loss. *
These also vary depending on your particular asset allocation but we will typically use combinations of commonly recognized benchmarks such as the S&P 500, NASDAQ, Russell 1000, MSCI EAFE & the Bloomberg Aggregate US Bond benchmarks.
A good resource for viewing the licenses, firm affiliation history and any complaints or disciplinary history is through the industry regulatory organization FINRA. Go to brokercheck.FINRA.org and search for an advisor by name.