Our first meeting with you is introductory in nature. It is an opportunity for you to become familiar with our approach to help improve your financial picture. We use the first meeting to gather the information we need to begin developing a financial plan for you.
The information-gathering process is expedited if you have the following available at the first meeting:
- List of all assets (copies of investment statements are helpful)
- Detailed information on liabilities including balance, interest rate charged, and minimum monthly payments required
- Cash flow information (last 2 months` expense and income figures)
- Information on company-provided benefits (i.e., an employee-benefit handbook)
- Insurance contracts (i.e., auto, life, disability)
- Current copy of any Personal Legal Documents (wills, power of attorney)
Generally, two to three weeks after the initial meeting, we hold a second meeting to review the written financial plan that we have developed. After we review this plan, we put together a timeline for implementing the plan.
Sugarloaf offers a very high level of financial expertise, with a team of 7 Certified Financial PlannersTM and a partnership with a team of certified public accountants. Tax reduction strategies play a vital role in our planning process. We work hard to stay current on the markets and the economy, to ensure that our advice is based on the latest knowledge and research.
We have been providing financial planning and portfolio management services to individual clients as well as trusts, estates, charitable organizations, small-business owners, retirement plan sponsors, and other entities since 2000. We do not have any proprietary products or funds. We will gather information about you, your goals, risk tolerance, objectives, and other items that may impact your investment needs. Once this information is obtained, we will provide you with a suggested investment strategy and a written financial plan.
Our mission is to provide the highest levels of service at the most reasonable cost. The majority of our compensation is from fees charged directly to clients.
An RIA is an advisor or firm in the investment advisory business that is registered with state securities authorities or with the U.S. Securities and Exchange Commission. We are an SEC-registered RIA. Under the Investment Advisers Act of 1940, an RIA has a fiduciary duty to clients, meaning the advisor is required to act always in the best interest of the client. This is a higher standard than a broker-dealer license, which requires only that an investment broker offer advice that is “suitable” to the client.