Frequently Asked Questions

Markets contain hundreds of investment choices.  A plan gives you a much higher chance of financial success. As a skilled, knowledgeable, and experienced financial planner, Neil will find great plans for your needs and timeline. 

A plan also allows you to understand how each financial decision you make affects other areas of your finances. For example, buying a particular investment product might help you save adequately to finance your child’s higher education, or it may provide enough for a comfortable retirement. You can also adapt more easily to life changes and feel more secure that your goals are on track.

Some personal finance software packages, magazines or self-help books can help you do your own financial planning. However, you may decide to seek help from a professional financial planner if:

• You need expertise you don’t possess in certain areas of your finances. For example, a financial planner can help you evaluate the level of risk in your investment portfolio and revise your asset allocation;
  
  
• You don’t feel you have the time to spare to do your own financial planning;
  
  
• You know that you need to improve your current financial situation but don’t know where to start;
  
  
• You feel that a professional financial planner could help you improve on how you are currently managing your finances;
  
  
• You have an immediate need or unexpected life event such as an inheritance or major illness;
  
  
• You want to get a professional opinion from a trusted and skilled financial planner about the plan you developed for yourself.

It is important that all your plans are tax efficient. Your financial planner will help you in minimizing your tax liability and maximizing your after-tax returns from your investments.  We help you make investment choices that avoid excessive taxes.

The best plan is useless unless it is put into action. After you have a plan, it would be to implemented.  You would stick to it and monitor it to a schedule you create with your financial planner.

It is good to review the plan when there is a lifestyle change such as marriage, birth, death, or divorce. Any change in financial position should be evaluated as well.

Most clients have an annual review on how the plan is working. The review considers changing goals and circumstances.  We check in with clients at a minimum annually.   If  market conditions change, more contacat may be required.

We care about the safety and well-being of everyone.  We meet people virtually in Skype or Zoom.  We will also use the telephone. 

If you do wish to meet in person, we provide a safe environment per CDC Guidelines.

We Always Do The Right Thing means exactly what it says.  We TRULY do what is best for the client. Everyone says it, but, many financial planners or professionals in this business do not mean it. We  do not have a product of the month. We do not sell products based on the highest commissions. We never pitch proprietary products. All this sounds simple, but, more often than not, unsophisticated investors are led down the wrong path.