No, the first meeting is designed to be a no pressure “get to know each other” meeting. It allows us to learn about you and you to learn about us so that we can determine if there is a good fit.
Nothing. This meeting is intentionally informal.
The first meeting lasts around an hour. Subsequent meetings may dive further into details, depending on the relationship.
We work with the majority of our clients under an advisory-based arrangement where our only cost is calculated using a percentage of assets managed. There are no additional costs for investment planning, trades or account fees. We will review our fee schedule during our first meeting with you.
* In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part II as well as the client agreement.
The short answer is everyone. The TCM works as a team and every client has access to the whole team. Clients may have a natural niche with a particular advisor and gravitate towards him, and that is fine as well.
To begin each week, we preview upcoming meetings with each client to ensure we are fully prepared for each individuals specific financial needs.
No, we are not tax or legal advisors. We do work closely with your accountant or legal advisor if you choose to allow us to do so. We are also happy to attend meetings with your CPA or attorney to help facilitate a holistic financial plan.