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Do you take commissions?
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I do not receive any commissions whatsoever. 100% of my earnings are paid to me directly from my clients.
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What are your fees?
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For Personal Money Management, which includes ongoing investment management and financial planning, I charge a percent of the assets I am investing for you as follows:
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1% on the 1st $1 million of invested assets
0.75% on amounts over $1 million up to $2 million
0.5% on amount over $2 million
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How often will we meet?
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As often as appropriate. Some clients like to meet with me quarterly while others prefer to communicate by phone and email and not meet face to face more than once a year. It really depends on what works best for you.
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Will you advise me in areas other than investments?
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Yes. You can think of me as the person you 1st go to with all your financial concerns from buying a home to negotiating compensation and planning for retirement. As appropriate, I will refer you to qualified professionals for specific tax, insurance and estate planning advice.
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Do you do taxes?
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No, I don’t do taxes but will make referrals to an accountant appropriate to your needs. I will also review your tax situation; collaborate with your accountant to legally minimize your taxes and ensure your investment strategy is sensitive to your tax circumstances.
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What are your qualifications?
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I have over ten years of experience managing and advising on personal investments. I am a Chartered Financial Analyst (CFA) for more information see….., a member of Member, National Association of Personal Financial Advisors (NAPFA). NAPFA is an elite group of less than 1,000 fee-based financial advisors. Membership requires a signed Oath of Fiduciary Duty to clients, and participation in the most strenuous continuing education requirement in the industry. I also have an MBA from Columbia Business School.
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Will I work with you or an employee?
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You will work directly with me.
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Do you offer a free initial consultation?
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Yes, I’d be happy to meet with you for about an hour to see if my services and style is a good fit for your needs.
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