Frequently Asked Questions
I’m not happy with my current advisor at another firm. – Can you review my accounts and offer me a “Second Opinion?” – Yes, we’d be happy to.
Can I meet with a financial advisor for free? Yes.
How do Financial Advisors get paid? We get paid either by insurance companies as Sales-Related Compensation (at no cost to you) or with AUM – Assets Under Management, the asset management fee is very competitive. With AUM, we have an incentive to grow your money.
How are you different from other financial advisors? Many other financial advisors are not fiduciaries. Unlike most other advisors, we are a licensed fiduciary team with many years of experience – required by law to work in the client’s best interest. We use a transparent fee structure. We use funds designed to keep fees and expenses low. As non-captive, independent advisors, we are NOT limited to one company OR one type of solution.
Also, unlike many other advisors, we use both Strategic and Tactical (Active) Money Management. With Active Money Management – if the market is falling, we can move money to safety to minimize losses and can get back in as the market is rising. We enjoy and value long-term relationships with our clients rather than having a merely transactional business. While many other advisors are retiring soon, Joe plans on working for 30 more years.
Will I have enough money to retire? Everyone’s situation and retirement lifestyle is different. We can help clients plan for a lifetime of income.
Do you only do investment planning? No, our holistic financial planning process brings all the pieces together for healthcare, taxes, retirement income, investments, and estate planning.
Are you able to help people outside of Pennsylvania? Yes, using the latest Zoom video-conferencing technology, we are not confined to just one state. We can help virtual investment and wealth management clients out of state. – in areas like Cincinnati OH & Cherry Hill NJ. If you live in PA, we can also meet in any of our offices.
Do you work with retirees and pre-retirees? Yes, that’s our specialty. Most of our clients are age 55+ and are either retired or nearing retirement.