Frequently Asked Questions

Our comprehensive services offerings are structured to help clients achieve their objectives and financial independence. We consider the overall financial situation of the client including investment management, cash flow and debt optimization, risk management/insurance, asset protection, retirement planning, social security maximization, estate planning, non cash compensation analysis and tax planning. In addition, we also provide outsourced consulting/CIO services to relatively large investors.

We are able to make informed, rational and disciplined decisions regarding client’s financial situation. As a result we embrace complex situation and simplify them. From a client’s perspective, one of the most important values we provide is putting in place a reliable plan and portfolio, monitoring client situation and making suitable changes to the plan/portfolio as required.

Unlike a number of financial advisors out there, we are only paid by our clients. We are a fee-only financial advisor. This is important because it preserves our independence. We are a Fiduciary incentivized to work for our client's best interest. Our fees are simple and straightforward and we discuss it with our clients upfront.

Our fee structure is straightforward and transparent. Clients can work with us in one of the following ways:

• Investment management: 1% of assets managed and lower depending on assets, usually suitable for assets around $500,000 or more. Asset based fee includes ongoing financial planning.
• Upfront comprehensive plans with check-ins for 1 year: $5,000 and higher for more complex plans. Fee is rebated against investment management fee.   

We have procedures to ensure client information is confidential. Additionally, since there is a single point of contact with clients, the possibility of breach of confidence is limited.

We subscribe to a variety of sources of information and analysis such as research reports, publications and periodicals. In addition, we constantly meet and speak with a number of investment managers, both traditional and alternatives. As a result we are able to perform extensive proprietary research and complement it with research from multibillion dollar investment firms.

No, we do not hold client’s assets. It is held at the custodian, Charles Schwab, in the client’s name, in an account that is controlled by the client. We get the ability to trade on the client’s behalf. The custodian executes and settles trades and provides other services like sending monthly statements.

We personally oversee this process and guide the client all the way.

No. We are set up to work virtually with clients outside New Jersey and New York.