You are reading this because you are probably searching for a financial advisor. You have come to the right place. The first distinction we need to make in the world of financial services is that most people assume that a financial advisor and an investment adviser are one and the same.
A financial advisor advises the client on more than one area of the client's assets or interests. A financial advisor may advise the client on issues that affect the client's overall financial and family situation, whether they may be investment, insurance and/or banking related. An investment adviser is primarily concerned with managing a sum of money given to him/her to manage.
One advisor is not better or worse than the other but different. There is no one right answer for everyone. An investment adviser is focused on returns. A financial advisor not only focuses on returns but on the overall financial picture of the client. You could also say that an investment adviser is more focused on the accumulation of assets whereas the financial advisor needs to be focused both on the accumulation of assets and the disposition of assets.
You may achieve a competitive rate of return on your assets but if you do not have a plan for liquidating assets, you may end up with a much lower actual total return. What matters most is how many dollars you end up keeping and being able to spend after factoring in market ups, downs and taxes.
So if you believe you need a financial advisor or if you believe you would like to consult with a personal financial advisor, here are the important facts you should consider when choosing our firm:
We are completely independent. We have no affiliation with any investment, insurance or banking firm.
We are fee-based. We provide full disclosure up-front. The fee is the same no matter what we invest in or how often we trade.
We use an independent custodian to hold all client assets to ensure the utmost in safety.
We act in a fiduciary capacity which means we must act in your best interests.
We are long-term focused. Our goal is to work with our clients over the long-haul and know our clients very well.
We aren't concerned about the day-to-day market changes. We focus on what is best for each client based on their risk tolerance and goals.
Clients may use this site to keep up-to-date on accounts and existing plans. Prospective clients may use this site to learn more about the planning process. You may learn more about the services we offer. Our goal is to keep this site continuously updated with current information for your convenience. We are an independent firm with no ties to any one investment, financial or insurance company. We have access to the entire universe of investment and insurance products and services and we focus on the needs of our clients.
We have two types of clients that I work with personally on an ongoing basis. There are personal clients and planning clients. Planning clients differ from personal clients with respect to a planning engagement. Planning clients have completed or are working with us on a written financial and estate plan. It is important to note that the planning process may be completed in a few short months or it may be completed over a longer period of time. We work at the pace which makes our clients' comfortable and which provides them with ample time to contemplate each facet of their long-term financial plan.
Please remember that any financially related decisions should not be made in a vacuum. All financial decisions should be considered with respect to the effects on your overall planning. A great investment might prove to be in the best interests of one particular client while that same investment might prove to provide another client with less than optimal overall returns because of tax considerations. An established and written financial plan helps our clients chart a course for their future. This doesn't mean you lose flexibility or that you can't change the course. It simply means that you have a long-term plan to achieve your goals. When the proper planning is put into place, clients find that decisions are much easier to make going forward. We pride ourselves on executing plans that provide for our clients' goals while preserving the maximum amount of flexibility for responding to future unknown possibilities.
We would be happy to review your situation and provide you with our recommendations. I only choose to work with clients that would like to work with me personally on a long-term basis. I don't sell my clients anything. I recommend the steps they need to take to achieve their goals. Sometimes the recommendations involve investment or insurance products or programs, while other times the recommendations involve asset restructuring or re-registration. Each client is unique and we treat each client as such. We do not attempt to use a cookie-cutter approach for every client.
You can be assured that we provide the best possible recommendations for our clients or we choose not to accept certain prospective client engagements. It's that simple. Being Registered Investment Advisor affiliated means that we have a fiduciary responsibility to act in the best interests of our clients. We take this responsibility very seriously. (Investment advisory services are offered through Continental Five Investment Group, LLC, a Registered Investment Adviser, 30 Old Kings Highway South, Suite 115, Darien, Connecticut 06820) I hope you'll give us the opportunity to show you how we can serve your long-term financial planning needs.