Financial Planning Frequently Asked Questions

Why do financial planning?

Short answer: because no one can hit a moving target. The financial plan informs all financial decisions: how to invest, what to save and where, and what insurance should I purchase or drop.

What should I expect when I come in to see you?

First of all, a warm welcome and a cup of coffee. We’ll meet in one of the conference rooms at our Miami office. We’ll give you a bit of personal introduction and will be interested to learn how you came to us.

From there, we listen. We want a general snapshot of your financial position, and we’ll really want to understand your specific concerns and goals for our engagement.

This is a time of seeing if we’re a good fit. You want to know if you feel comfortable with us. We want to know if you have reasonable expectations (i.e. you don’t want a 15% return per year with no risk). If all seems a go, we’ll enter into a financial consulting arrangement.

How many visits will this take?

It depends upon what you want done – but at least two; often more. In our first meeting, we get together and see if we’re a good fit.

Next in the process is an evaluation of your current situation. You can email the requested documents to us or upload them to a secure vault we provide. Of course, you can always bring them in person.

Once we’ve worked with your data we’re in a position to make recommendations specifically tailored for you. You are welcome to implement these recommendations with other advisers, but our hope is that you’ll keep your business with us.

What’s parking like?

Easy. There is parking in the building. Just drive up to the kiosk and take a ticket. We will validate your parking for your visit.

Hablan Espanol?

¡Claro que si! At least Jonathan does. You wouldn’t know it from his name, but he is ½ Cubano and is as at ease doing business in Spanish as well as English. Glenn gets along pretty well and can understand lo mayor.

Do you make house visits?

Sure – for our older clients for whom getting around is an issue. We prefer office appointments because that’s where we have our computers and all the resources we need to serve you. If, for example, we need a form, we can simply print it for you. Traveling to appointments takes time and is reflected in the fee we mutually agree upon.

Are Saturday appointments available? Evenings?

Yes, of course. Glenn is more limited on Saturdays, due to his CFP® teaching schedule. You are most welcome to see our calendar and book an appointment here. (add hyperlink)

Can we communicate by text?

Yes and No. Yes, but only for something inconsequential – you’re running late, for example. Please understand that we work in a very heavily regulated environment. We communicate with clients by phone and email. In this way, we can archive all of our electronic communications for compliance purposes. BTW, our email system encrypts both incoming and outgoing emails. This is for client data protection and confidentiality purposes.

Are you willing to work with my other advisors?

Yes of course. Our work frequently involves related professionals – typically the accountant or the attorney. We’re glad to work with those whom you already know. If you do not already have a relationship with an attorney or accountant, we will be glad to make recommendations. You should know that as a matter of business policy and ethics we neither pay nor accept referral fees from other professionals, nor do we accept any liability for their actions.

Why do you charge fees? Other advisers with whom I’ve worked with don’t.

To quote St. Paul, the workman is worthy of his hire.
Advisers who do not charge fees may be working on commission. They hope that you’ll eventually purchase a product from them. We are paid from only one source: you. If nothing has been paid, there is no accountability. We offer a fully transparent process – you can rest assured that our fiduciary standard of customer care means that our recommendations are made to benefit you and you alone – and not to generate a commission for ourselves.

Can I see your fees online?

Yes – We are fully transparent. We offer financial planning by the hour, by the package, and by the subscription. You can find full details here. (add hyperlinks for young pros and retirees)

What’s wrong with working on commission?

Nothing at all, as long as the fact is fully disclosed to the client. If you’ve ever purchased tickets from a travel agent or ordered movie tickets online, that agent or vendor has been paid a commission. Insurance and annuity products are sold on a commission basis by the representative. We pride ourselves on a transparent process. If a commission is to be earned, that fact will be fully disclosed to you before you sign anything.

Where is your office?

Downtown Dadeland. We’re in the BMI building – the blue glass tower behind the Dadeland Publix.

What’s parking like?

Easy. There is parking in the building. Just drive up to the kiosk and take a ticket. We will validate your parking for your visit.

Hablan Español?

¡Claro que si! At least Jonathan does. You wouldn’t know it from his name, but he is ½ Cubano and is as at ease doing business in Spanish as in English. Glenn gets along pretty well and can understand la mayoria.

Can we do a virtual meeting?

Yes – we do them frequently with out-of-town clients, and for those who want to avoid Miami traffic.

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