Question 1

Do you have a customer satisfaction or refund policy?

Accepted Answer

We work with clients in a manner that allows them to stop utilizing our services at any time with no additional costs.

Question 2

Why should I choose you as my financial advisor?

Accepted Answer

I have completed the CFP professional Education Program and have a CRPS designation.

Question 3

What are your qualifications? What is your education background?

Accepted Answer

Our approach is education based.  We begin with helping our clients understand the complex world of investing and why it is important to know what you own and why.  From there we develop a living document that is amendable with goals and timeframes to accomplish.  We track our progress towards these goals and make adjustments as necessary.  We are product agnostic and are fee based.

Question 4

How do you charge for your services?

Accepted Answer

My primary speciality is investment portfolio management and developing income strategies from portfolios.  We also provide trust administration, insurance reviews, and retirement plan design.

Question 5

How are you compensated? How will I pay for your services?

Accepted Answer

My team manages money for approximately 500 clients and companies with total assets undermanagement of approximately 130 million.

Question 6

If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Accepted Answer

I will be the primary contact.  I have two assistants a few junior partners that have roles and responsibilities that will occasionally involve their specialies.

Question 7

How many clients do you currently manage?

Accepted Answer

I am fee based.  Meaning we charge a fee based on the size of the account we manage.  We do not charge commissions for buys or sells, the fee is all inclusive.  We are compensated to grow our clients accounts.

Question 8

Will you be the only person working with me?

Accepted Answer

To manage a portfolio efficiently we need to have the flexiblity to make changes based on changing economic circumstances and the ability to act quickly.  Clients always have input, but typically when clients hire us, they do so because they want us to manage the money and they do not want to.  We do have clients that manage their own accounts, but this tends to be rare.

Question 9

Do you offer any guaranteed results?

Accepted Answer

no

Question 10

How much risk should I be willing to take?

Accepted Answer

The answer is "it depends".  Once we complete your financial plan we will be able to tell you how much risk you need to be willing to take to accomplish your goals and objectives, but not all people are able to handle that level of risk and it is important to recognize that.  All of our portfolios are risk based and are designed to get the maximum possible return with the least amount of risk.

Question 11

Have you ever been charged with any breaches?

Accepted Answer

no

Question 12

What are your management fees?

Accepted Answer

In our 401k service our fee ranges from .25% to 1.0% depending on the size of the plan and number of participants.

Question 13

What kind of plans do you specialize in?

Accepted Answer

401k, defined benefit pensions, SEP IRA, SIMPLE IRA, 403b, and Non-Qualified Executive Benefits.

Question 14

Do you have a minimum requirement for number of employees or total investment value?

Accepted Answer

no

Question 15

What type of plans do you offer?

Accepted Answer

all

Question 16

Do you offer any additional services?

Accepted Answer

All participants have complimentary access to our financial planning services.

Question 17

What services do you provide?  What are your specialties?

Accepted Answer

Our services are comprehensive.  The only area we do not work in is personal property insurance, but we have a network of preferred partners that we would recommend.

Question 18

What is your experience?  How many clients do you currently manage?

Accepted Answer

I have been a Financial Advisor for 11 years.  I have been through two of the most difficult markets in recent history and have learned many valuable lessons through them.  I work with approximately 500 families and small businesses and have approximately 130 million in assets under management.

Question 19

What financial institution(s) do you represent?

Accepted Answer

Morgan Stanley

Question 20

What is your approach to financial planning?

Accepted Answer

I charge a fee based on the value of the portfolio I manage.  There are no other fees or commissions inlvolved.

Question 21

What services do you offer?

Accepted Answer

I am young (33 years old) but have built a solid practice over the past 11 years.  I have a lot of experience for my age, more than most of my competitors, and will be in the business for a long time to come.

Question 22

What are your qualifications?

Accepted Answer

See above.

William Edwards