FAQ

Q    What specific financial, investment and insurance products and services do you offer?
A    You will find a complete list under the "Products and Services" tab on this website.

Q    Do you have a minimum investment amount?
A    Our guideline is to work with individuals, families, corporations, and groups that have $250,000 to $5,000,000 of investable assets that we would manage.   

Q    Is there a charge for an initial consultation?
A    We allow up to four complimentary hours for initial discussion, orientation, fact finding and analysis with a new prospect. Experience indicates that this provides sufficient interaction time to determine if there is a good match.

Q    How do you get paid?
A    On our investment accounts we are paid a fee based on assets under management.

The fee schedule is:
1.75% $100,000 - $250,000
1.50% $250,000 - $500,000
1.25% $500,000- $1,000,000
1.00% $1,000,000 - $2,500,000
0.60% $2,500,000 - $5,000,000

Insurance and annuity products are typically based on a commission basis and in certain circumstances may be based on a commission and/or a fee basis. For example, investment advice on annuities purchased and held with another registered agent is provided on a fee basis.

Q    Can you send duplicate statements to my accountant or any other person who I designate?
A    Yes, duplicate statements can be sent to your accountant or other designated person. We often coordinate directly with a client's accountant to provide them with cost basis and other information needed in tax reporting. If research has to be done on securities not purchased through us, there could be an additional charge for the time and services associated with that research.

Q    Are you product neutral?
A    Yes. First, we use TD Ameritrade and RBC Correspondent Services (formerly RBC Dain Rauscher) as the custodians for our clients’ assets. Also, on a case by case basis, we can arrange to provide proactive investment advice to individuals who would prefer to keep their money at whatever custodian they choose. Second, from an insurance and annuity standpoint we can do business with most of the major carriers in the marketplace.