Frequently Asked Questions
What is a fiduciary?
A fiduciary has the highest ethical obligation to put your interests ahead of their compensation and any other considerations. I am a fiduciary – this is a fundamental value of mine and I wouldn’t have it any other way.
What is your investment philosophy?
You should hire us if you want someone to provide peace of mind around your money and reduce the financial stress you feel in your life. We believe in order for a Financial Plan to be effective it needs to incorporate both personal and a portfolio factors (see diagram below). We will ask you very detailed questions to get to know you. Your goals, dreams, time horizon, expectations, risk appetite, beliefs, ethics, financial obligations and your past and current relationship with money. Will will marry this to an appropriate Asset Allocation and Diversification Strategy that incorporates current market conditions, tax efficiencies, underline valuations, technicals, protection of your capital, and risk/reward ratios.
DO I HAVE TO COME INTO YOUR OFFICE? Do you work with people FROM OTHER STATES?
You do not have to come to our offices and we work with clients all across the United States.
Many of my clients are busy professionals with family and other commitments. Some of our clients are in the middle of running a business, shooting a movie, producing a record, writing a book, etc.
We can and often meet virtually over Zoom, Google Hangouts, Skype, FaceTime, telephone, or whichever method of communication is convenient for you. We are set up this way so we can meet you wherever you are, regardless if you live locally or across the country. We can also meet at a time that is convenient for you. If you would like to meet outside of normal business hours, just send us a note at [email protected].
Many of my clients are busy professionals with family and other commitments. Some of our clients are in the middle of running a business, shooting a movie, producing a record, writing a book, etc.
We can and often meet virtually over Zoom, Google Hangouts, Skype, FaceTime, telephone, or whichever method of communication is convenient for you. We are set up this way so we can meet you wherever you are, regardless if you live locally or across the country. We can also meet at a time that is convenient for you. If you would like to meet outside of normal business hours, just send us a note at [email protected].
What is the Certified Retirement Planing Counselor (CRPC) designation?
The College of Financial Planning® awards the CRPC® designation to applicants who complete the CRPC® professional education program, pass a final examination, commit to a code of ethics and agree to pursue continuing education. Continued use of the CRPC® designation is subject to ongoing renewal requirements. Every two (2) years the designee must renew their right to continue using the CRPC® designation by completing 16 hours of continuing education and reaffirming to abide by the Standards of Professional Conduct.
How do you get paid?
We are a fee-only Registered Investment Advisor firm, which means our only compensation comes from the services we provide to you. We do not get paid any commissions, kick backs, “trails,” or any other fees other than from the fees we charge. We are held to the fiduciary standard, which means we act in your best interest all the time. I believe this form of compensation best aligns our interests. To learn more about our services and pricing, click here.
Is my money safe?
Your money is held at a custodian bank, which is insured by the SIPC for up to $500,000 per account type and are protected against losses resulting from the failure of a broker-dealer. Please note, unlike FDIC insurance for banks, SIPC does not protect against losses due to normal swings in the market. An explanatory brochure is available at http://www.sipc.org. For more Information on how your assets are protected at Charles Schwab, please click here: https://www.schwab.com/legal/account-protection
I’d like to learn more, what is the next step?
Click here to schedule a get to know you meeting. The first meeting will be complimentary and it will be a working session where we will provide value to you from the start. So bring your financial statement and any questions you might have.
WHO IS NOT A GOOD FIT FOR GCB PRIVATE WEALTH?
If you believe that you can "time the market", or want to "day trade", we probably are not a good fit for each other. We do not believe anyone knows the direction of the market on a daily short term basis. We believe in the principals of proper allocation, diversification and financial management. We are investing in your future and planning out a long term strategy that will help provide you with the best risk /reward possible to meet your specific needs and goals.
Also... mean people - we don't work with mean people!
Also... mean people - we don't work with mean people!
WHO IS YOUR FAVORITE SPORTS TEAM?
We are avid fans of the New York Knicks and recently have become University of Texas Longhorn fanatics!
