FAQ

Financial planning for business owners involves setting financial goals and creating a roadmap to reach those goals with your business in mind. 

Some common goals for business owners are getting a handle on cash flow, saving money in taxes, implementing a smart savings plan, building generational wealth, and maximizing their after tax dollars. 

A financial planner can serve as a valuable partner in helping business owners navigate the complex financial landscape, make informed decisions, be accountable to, and achieve their financial objectives.

Yes, you can schedule a complimentary consultation here!

We are fully licensed fiduciary advisors. 

The primary benefit of having a fiduciary financial advisor is the assurance that they are legally and ethically obligated to act in your best interest

After your no-cost initial consultation, we will develop a preliminary financial plan, which is when your first payment is due. We charge $3,000/year to retain our services that you can pay annually, quarterly, or monthly. 

For assets that we are managing, we charge 1.25%/year assessed quarterly (0.3125%/quarter) on assets between $10,000 - $500,000, 1.15%/year on assets between $500,000 and $1,000,000, and 1%/year on assets above $1,000,000. Assets are managed through the Unified Program at Cetera Investment Services. 

Additional compensation may apply in the form of commissions for purchase of individual stocks, bonds and through service fees (12b-1) for mutual fund transactions. Fees, charges and expenses are detailed in the Cetera Investment Advisers LLC’s ADV Part 2A.

Once we have our initial consultation, we will both decide if we are a good fit. Then we will schedule our second meeting for preliminary plan delivery and schedule a paperwork phone call with our Client Services Associate, Max Prato. After we 

We do not set it and forget it. We do quarterly assessments of your financial plan. We pride ourselves in our execution of delivering a financial plan that goes and grows with you. 

We will be doing quarterly check-ins and will remain accessible year round to answer any questions you have.

The portfolios we construct are based on your financial plan, time horizon, and risk tolerance. We implement a buy and hold strategy that does not attempt to time the market. If appropriate, we rebalance portfolios to adjust for significant market movement and to systematically sell high and buy low.

We are affiliated with Cetera Investment Services LLC.

Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

By investing in the financial wellness of your employees, you not only contribute to their individual well-being but also create a more positive and productive workplace environment, which can ultimately benefit the overall success of your business.

1. Schedule a meeting with Tori or Yesi. We help business owners save money on taxes, create benefits for their employees, and create strategies to pursue both business and personal financial goals. Our goal is to create a safe space for entrepreneurs by listening with compassion and creating a truly customized plan.
2. Gather information on your current business structure, retirement plans, and last year's tax return.
3. Locate any relevant personal financial statements (i.e. bank, credit card, 403(b), IRA, Roth IRA, brokerage, and insurance accounts) and have them available for your initial consultation.
4. Write down your main goals and questions to ask Yesi or Tori during your first consultation.