We are FEE-ONLY Investment Managers
When it comes to looking for a Financial Advisor, many people are looking for one that is FEE-ONLY. Instead of suggesting commission-driven investment strategies, our fee is a fully disclosed annual percentage of the investments we manage for you. Our clients want – and deserve – objective, unbiased professional guidance when it comes to making important decisions that impact their future. We take our role as your fiduciary seriously and work to earn your trust by holding ourselves to the highest standards of integrity.
That's why we operate on a fee-only basis. When your portfolio does well, so do we. We don’t believe in commission-driven investment strategies that pay us up front – before they even start producing for you. We know we need to work hard for you by researching what really makes sense for your lifestyle today and your dreams for tomorrow.
We are members of the Fee-Only organization, NAPFA.
"The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve. Since 1983, Americans across the country have looked to NAPFA for access to financial professionals who meet the highest membership standards for professional competency, client-focused financial planning, and Fee-Only compensation."
How to Find a Financial Advisor by SmartMoney.com
Your Financial Plan
Many people are anxious that they may be missing something regarding their financial future. We listen to you, bring our experience and resources to craft a personal roadmap, and walk the journey with you, so you feel confident, clear and excited about your path ahead. First we listen to your concerns and discuss your present situation. Our financial team then works with you to explore and implement a financial plan which will take you to your financial goals.
SEE OUR 3-STEP PROCESS
A Financial Plan Brings "Someday" Into Everyday
Your financial plan will give you action steps in order to meet your current needs while taking the investment actions required to provide for your future income and lifestyle objectives. Your personalized plan covers a number of areas, including:
- Net Worth and Cash Flow Analysis
- Tax, Retirement and Education Planning
- Insurance and Estate Planning
- Major Purchase Planning
How our simple process works:
- You input your information into our online portal at your leisure (we can help with this)
- We meet together to discuss present and future scenarios based on your present situation and goals.
- You receive a plan with a clear measured and realistic strategy taking into account present, and possible future life circumstances.
- The plan is comprehensive but not complicated.
You will see projections for:
- Net Worth
- Cash Flow needs now and going forward
- And take into account, planning for
- Emergency Fund
- Major Purchases
- Life & Disability Insurance
- Estate Planning
You will enjoy following “How to Get There” - a simple action plan. We will walk with you on the journey.
This brings your future into measurable reach, enabling you to enjoy today and look forward to tomorrow. We will meet together as often as necessary to review and revise your plan.
Managing your investments
We believe your financial plan is a vital part of managing your investments. The optimum way for us to manage your investments, is to understand how you think about your future and how we plan for you to get there. We provide active Investment Management services for individual clients on a FEE ONLY basis (we receive no commissions or benefit of any sort for the portfolios we propose)
You talk to us about your personal objectives and then help us analyze your risk tolerance. We recommend an investment portfolio that is customized for you. This recommendation is an integral part of a written investment policy statement. This statement also outlines how performance will be gauged, including benchmarks against which performance will be measured. It is important to note that while past performance is important for comparison purposes, it not a guarantee of future results.
You review our investment portfolio recommendations and upon obtaining your agreement, we implement the agreed upon strategy by opening an account in your name at Charles Schwab. We have no relationship with Charles Schwab other than them providing a platform where we can manage your accounts.
You will receive statements (at least quarterly), trade confirmations and other account-related communications directly from Charles Schwab Investments. This will include transaction history and specific tax information, such as cost basis values. Each quarter you will also receive personalized investment reports from Hopkins Investment Management. These reports will show account performance and performance comparisons, together with our Quarterly Investment Letter. We will meet with you at least annually to review these reports and your portfolio’s performance, but we are available by phone or in person at any time you wish to meet.