Frequently Asked Questions


  • Why should I invest inside a Health Savings Account (HSA)?
  • Why should I contribute to a Health Savings Account (HSA)?
  • What types of accounts are Tax-Deferred? Work with us to better understand how these type of accounts fit into your financial plan.
  • What is tax deferral?
  • What is the benefit of tax deferral?
  • Why is income allocation important?
  • What is income allocation?
  • How are you compensated for your services?
  • What is the frequency in which financial planning engagements take place?
  • How often should someone have formal financial planning advice?
  • Is there a benefit to “diversifying advisors”?
  • What are some of the financial planning engagements in the different areas of wealth management?
  • What is a broker-dealer?
  • What is an independent financial professional?
  • What is an independent broker-dealer?
  • Why is independence important?
  • How am I connected to my investments?
  • What do our designations mean?
  • Does your current investment portfolio look identical in each of your accounts?
  • Do you have a plan for your income allocation?
  • Are taxes holding your investments back?
  • How should you use asset location in your portfolio?
  • How does asset allocation help you?
  • What is asset allocation?
  • What is Tax Deferral?
  • Should I participate in my employer’s retirement plan?
  • Why is the sequence of return risk so important?
  • What is dollar-cost averaging?
  • Building a Better Portfolio to Create a Better Investment Experience
  • How does my spending and inflation impact my financial plan?
  • What is an Investment Policy Statement (IPS)?
  • Do you know how much you are paying in 401(k) plan fees?
  • Why do some people hire financial advisors and others do not?
  • What are the benefits of engaging in a financial planning process?
  • What is a fiduciary?
  • Do you sometimes feel like the firm you currently work with does not put your interests before their own?
  • Are you working with an advisor who puts your interests first?
  • What are the main responsibilities of a fiduciary?
  • What is an Investment Policy Statement (IPS)?
  • How can I think opportunistically in how I evaluate a Roth IRA at different stages of life?
  • What should I be considering when I am retiring?
  • What are my options to consider when I am retiring or changing jobs?
  • Why should I monitor or roll over my old 401(k) from a previous employer?
  • What are important financial items to address when preparing for a new baby?
  • What are important financial items to address for married couples?
  • What are important financial items to consider when buying a new home?
  • What financial planning checkpoints should I evaluate as I approach retirement?
  • Building a Better Portfolio to Create a Better Investment Experience
  • What are the common objectives of business succession planning?
  • What are some of the tradeoffs that need to be evaluated when claiming for social security?
  • Why is your social security election strategy so important?
  • What financial planning checkpoints should I evaluate as I approach retirement?
  • What should I be considering when I am retiring?
  • Building a Better Portfolio to Create a Better Investment Experience
  • What are common objectives of business succession planning?
  • Have you looked at your Long Term Care insurance options lately?
  • What are the benefits of an insurance review?
  • What are the benefits of an Asset Transfer Plan?
  • What are the benefits of a Beneficiary Review?
  • What type of documents should be reviewed in a Beneficiary review?
  • Why do I need a beneficiary review?
  • How do you guide me through my risk tolerance during your process?
  • How can I determine my risk tolerance?
  • What are the benefits of a Power of Attorney Plan?
  • What is a Beneficiary Review?
  • Do long term care costs vary from state to state?
  • How long might you need long-term care?
  • Have you considered the costs of Long-Term Care?
  • Are you paying a fair price for your Insurance Coverage?
  • Do I have enough insurance coverage?
  • Do I have the right kind of insurance coverage?
  • Should I apply for life insurance in addition to my employer provide life insurance?
  • Do I need life insurance coverage?
  • What are the common objectives of business succession planning?