{"id":920,"date":"2021-09-23T02:01:51","date_gmt":"2021-09-23T02:01:51","guid":{"rendered":"http:\/\/www.keystoneinsurance.us\/?page_id=920"},"modified":"2025-12-27T16:02:31","modified_gmt":"2025-12-27T16:02:31","slug":"faq-frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/keystoneinsurance.us\/?page_id=920","title":{"rendered":"FAQ – Fiduciary Financial Advisors Altoona PA – DuBois PA"},"content":{"rendered":"\n

Frequently Asked Questions<\/strong><\/p>\n\n\n\n

I\u2019m not happy with my current advisor at another firm. – Can you review my accounts and offer me a \u201cSecond Opinion?\u201d<\/strong> \u2013 Yes, we\u2019d be happy to.<\/p>\n\n\n\n

Can I meet with a financial advisor for free?<\/strong>  Yes.<\/p>\n\n\n\n

How do Financial Advisors get paid?<\/strong>  We get paid either by insurance companies as Sales-Related Compensation (at no cost to you<\/strong>) or with AUM – Assets Under Management, the asset management fee is very competitive.  With AUM, we have an incentive to grow<\/strong><\/em> your money.<\/p>\n\n\n\n

How are you different from other financial advisors?<\/strong>  Many<\/em><\/strong> other financial advisors are not fiduciaries<\/strong>. Unlike most <\/strong><\/em>other advisors<\/strong><\/em>, we are a licensed fiduciary team with many years of experience <\/strong>\u2013 required by law to work in the client\u2019s best interest. We use a transparent<\/em><\/strong> fee structure. We use funds designed to keep fees and expenses<\/strong> low<\/strong>.  As non-captive, independent<\/strong> advisors, we are NOT<\/strong> limited<\/strong> to one company OR<\/strong> one type of solution. <\/p>\n\n\n\n

Also, unlike many<\/em><\/strong> other advisors, we use both Strategic and Tactical (Active) Money Management<\/strong>.\u00a0 With Active Money Management \u2013 if the market is falling, we can move money to safety to minimize losses<\/strong> and can get back in as the market is rising.\u00a0 We enjoy and value long-term relationships with our clients rather than having a merely transactional business. While many<\/em><\/strong> other advisors <\/em><\/strong>are retiring<\/em><\/strong> soon, Joe plans on working for 30<\/strong> more years<\/strong>.<\/p>\n\n\n\n

Will I have enough money to retire?<\/strong>  Everyone\u2019s situation and retirement lifestyle is different.  We can help clients plan for a lifetime of income.<\/p>\n\n\n\n

Do you only do investment planning?<\/strong> No, our holistic financial planning process brings all the pieces together for healthcare, taxes, retirement income<\/strong>, investments, and estate<\/strong> planning.<\/p>\n\n\n\n

Are you able to help people outside of Pennsylvania?<\/strong>\u00a0 Yes, using the latest Zoom video-conferencing technology, we are not confined <\/strong>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<\/strong>.<\/p>\n\n\n\n

Do you work with retirees and pre-retirees?<\/strong> Yes, that’s our specialty. Most of our clients are age 55+ and are either retired or nearing retirement.<\/p>\n\n\n\n

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Frequently Asked Questions I\u2019m not happy with my current advisor at another firm. – Can you review my accounts and offer me a \u201cSecond Opinion?\u201d \u2013 Yes, we\u2019d 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 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-920","page","type-page","status-publish","hentry"],"aioseo_notices":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/P5ZNiF-eQ","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/pages\/920","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=920"}],"version-history":[{"count":24,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/pages\/920\/revisions"}],"predecessor-version":[{"id":1351,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/pages\/920\/revisions\/1351"}],"wp:attachment":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=920"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}