1. Is there a cost to meeting with you?
There is no cost or obligation for an initial consultation where we discuss and identify your financial goals. If you decide to work with us, we’ll talk about the level of service you prefer and the associated fees. Because plans are unique to each client, fees will vary depending on the level of service you decide is right for you.
2. Do you meet with clients or potential clients in the evening?
Yes. We offer appointments Monday - Thursday until 7:15 pm to accommodate clients that need evening appointments.
3. What is your financial planning process?
We do everything we can to make the Financial Planning Process fun and relaxing. The process begins with a meeting to discuss your financial goals and current circumstances. We’ll review your most recent financial information and create a plan customized to you.
After completing your plan, we’ll meet, talk through our findings, and give you options and recommendations tailored to fit your goals, risk tolerance, and time horizon. We create a financial plan that is truly yours, not one made for your neighbor or co-worker!
4. How often should I meet with you?
We recommend twice annually but no less than once a year. We feel it's important to meet twice per year to review goals and investments and reposition investments if needed.
5. How do you get paid?
We are paid through LPL Financial and receive fees for Financial Planning and Advisory Services and commissions for financial products and insurance. We always keep your best interest in mind and only recommend products based on your needs and circumstances.
6. Once I have applied for Life Insurance and Long-Term Care Insurance, what is the approval process?
Insurance companies examine several factors based on their underwriting standards and guidelines, including current health and physical condition, medical history, occupation, personal habits, vacations, hobbies, age, and gender. We will work with you throughout the application and approval process. While the approval process is generally 30 to 45 days, the time will vary based on each case and circumstance.
7. What are Clients and Friends Events?
We host these events 2 to 3 times per year. The purpose of the events is for us to meet your friends and family that you think could benefit from working with us. Examples of past events include Wine tasting, the Annual Shredding event, a visit to an organic chocolate factory, a presentation about Social Security, and an outing to an Everett AquaSox game.
LPL Financial is not affiliated with any other entities referenced herein.