Yes, that’s what we love to do.
Absolutely. We’re periodically monitoring the markets; we will contact you if we think a change is advisable. We’ll meet once a year to thoroughly review your portfolio, and every three years we’ll review your financial plan. Also, you can call us any time your financial circumstances change.
No. But we have alliances with experts in the field who we can refer you to. We can also refer you to credit repair specialists.
No. What we look for is a person’s desire to follow and build wealth. That’s our main focus.
No. There are some vehicles that may guarantee you a certain rate of return: CDs, some annuity products, for example. However, if you decide to invest in the marketplace, then you’re at the mercy of its gains and losses. The longer you invest, of course, the more risk you may be able to take. Historically long term investors have seen positive results. Keep in mind, however, that past performance is no indication of future results.
We view our relationship as a partnership, and a lot depends on what you want.
First we’ll meet to find out if we want to work together; we’ll find out about your timelines, your risk tolerance, and what you want to accomplish. Then we develop a plan. After that, there’s a second meeting, which may be with another member of our staff who works on the implementation side. We generally like to meet with you every 90 days-either by telephone or in person-to discuss your plan and what’s happening in the marketplace. We can meet more often if you wish. Every three years we like to do a more thorough review of your financial plan to make sure it’s still on target for your goals.
We have three billing structures: commission, annual wrap fee-based on the assets invested, and hourly. We’ll discuss these with you in more detail when we meet, so you can choose what may work best for you.
You can call us anytime throughout the year if your circumstances or goals change; we’ll review your current situation and make any necessary changes to your portfolio.
Your risk tolerance should change over time. As you get closer to your financial goals, you may want to be more conservative with your investments.
First we’ll do some analysis to determine if it’s a rationally-based fear or not. Then we’ll talk with you and explain in detail what your options are. If you want to go more defensive/conservative we will, of course, make that change for you. The most important thing is that you make your decisions based on professional advice and disclosure.
Absolutely. Our office does not do discretionary trading. If we see something happening in the marketplace that may negatively affect some clients, we’ll call the clients, explain the situation to them, and get their agreement to make a change. We never make changes without talking with you first and getting your consent.
That’s a question that no one in the business can answer. It’s impossible to make comparisons and it’s outside what is permitted in our industry. The only way you can compare is with fixed products and historic returns. However, past performance does not guarantee future results, so in than sense performance ratings are of little value.
As we mentioned earlier, we don’t do discretionary trading. And we don’t offer mortgages. Apart from that, we’re fairly well rounded in what we offer. We have access to almost everything in the industry.
We have our clients in the knowledge loop; it’s important to us that our clients understand what their investments are and why. For example: if a client has memory problems, we like to suggest that a member of the family accompany them so that everyone has a complete understanding. We document these facts so that they can be referred to in future meetings. And we like to have decisions documented.
In most cases, statements are delivered to the client on a quarterly basis. Clients should also receive confirmation statements any time there are changes to your account, such as money going into your account or for any trades. Also, if a client has investments with several vendors, we’re able to compile them into a consolidated statement. Some firms don’t do this, which may make it difficult for the client to understand what the statements are saying.
Yes. You can find out more on our Complete Education page.
Both, but we prefer to develop clients for life. Building relationships is one of our core values and we love to help manage investments over the long term.
Yes, and we have alliances with several law firms that are some of Oregon’s well known Estate Planning firms. We’ll refer clients with estate planning issues to them.
No. We will advise you on the potential tax consequences of any investment choices, and our goal is to reduce your taxes, but we don’t do tax preparation or tax planning.
Yes, but we’d have to get permission from the clients before you call them.
Now you may want to take a look at one of our divisions: Complete Financial Services, Complete 401K or Complete Education.
Or maybe you’d like read our monthly article.
If you’re ready to get started on a financial plan, call us at 503-684-8070 to set an appointment. Or click here to go to our contact page.