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Question #1: Do You Abide by Fiduciary Duty?

Yes are a fee only fiduciary. We have a legal responsibility to act solely in our client’s financial interest. As a part of this standard, we must:

  • Put our clients’ best interests before our own
  • Act in good faith and provide all relevant facts to clients.
  • Avoid conflicts of interest and disclose any potential conflicts of interest to clients.
  • Do our best to ensure the advice we provide is accurate and thorough.
  • Avoid using a client’s assets to benefit ourselves.

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Question #3: What Services Do You Provide?

We provide a thorough array of services in addition to investment management, such As:

  • Retirement planning
  • Trust and estate planning
  • Tax planning
  • Educational expense planning
  • Insurance planning
  • Cash flow planning
  • Business strategy and financial planning
  • Real Estate investing analysis

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Question #4: What Types of Clients Do You Specialize in Serving?

We specialize in working with retirees, professional service small business owners, and real estate investors. We offer short term engagements for consumers outside of this area.

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Question #5: Do You Require a Specific Minimum Investment?

We do not have a specific investment minimum however, we only manage assets for new clients. We have subscription pricing based on the tier of service.

 

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Question #6: What Advisory Certifications Do You Have?

As the lead advisor I, Terrance Hutchins, have the following certifications:

CFP – Certified Financial Planner

EA – IRS Enrolled Agent

CLU – Chartered Life Underwriter

RICP – Retirement Income Certified Professional

CTRC- Certified Tax Representation Consultant

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Question #7: How Do You Make Money?

We make money from the monthly/annual subscription fee and the asset management fee that is collected from client’s investment accounts.

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Question #8: What Extra Costs Should I Be Aware of?

There is no additional cost to be aware of. Our one-time plans, or projects are priced between $1100-$3K.

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Question #9: What Is Your Investment Philosophy?

We believe in the long-term value of holding stocks. We believe in global diversification of your investment portfolio. We value minimizing your fund fees through passive management unless there is a compelling reason via a manager otherwise.

We believe there is value in holding a higher concentration of your investments in companies that have great business models and strong financials. We will purchase these stocks based on their current assessment of the intrinsic value. We purchase these in portfolios that you have the option to add a percentage of your overall portfolio.

We also value the role of real estate and/or private business investment in your overall portfolio. We want to assist you in build your financial future in a prudent way that aligns with your long goals and objectives.

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Question #10: How Often Do You Communicate With Your Clients?

We meet with all of our clients at least twice a year, during the spring and fall, and as needed for life transitions or significant upcoming decisions. Additionally, we review their overall situations every 6-12 weeks to provide timely insights and actionable items.