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Fiduciary Duty
Our Promise: At Fiduciary Financial Group, we hold ourselves to the highest standard of professional ethics... the fiduciary standard of care. It's a simple concept yet absent in many client/advisor relationships: Only provide advice and recommendations that are in the best interests of the client. Always. No exceptions.
Credentials
Don't let others fool you. Credentials matter. In a world where anyone can label themselves a "Financial Advisor, Financial Planner, Wealth Manager, Wealth Advisor, etc." we strive to achieve the most recognized and applicable professional designations for personal wealth management. Have satisfaction that you are working with people who have taken their profession seriously by educating themselves at the highest level. The global markets change and we must change with them. We are serial learners striving to stay ahead of the curve and in the know. The best way to achieve this is through continuing education.
Active Collaboration
In-depth financial planning involves reviewing not only a clients budget and investments, but also their estate plan, beneficiary designations, mortgage and business financing, insurance documents, tax returns, etc. Often, there are issues identified that must be addressed outside our realm of expertise. We invest a great deal of our time building relationships with local professionals whom we have vetted to be credible, technical, and to fill the gaps.
Areas of Practice
Investment management
Our incentive is simple: grow your money as much as possible within the confines of your tolerance for risk. To that end, we remain detached and are not driven to solicit or promote any particular investment product. We focus on liquid & publicly traded investments including individual stocks, real estate investment trusts (REITs), exchange traded funds (ETF's), bonds, commodities, money market funds and other asset categories for our portfolio strategies.
retirement PLAN consulting for business owners
The world of retirement plan design, administration, and ongoing investment management oversight is complex. With our ability to speak the same accounting language as your bookkeepers, payroll, and tax professionals, we can serve as the quarterback for your company retirement plan. We have strong relationships with local tax and bookkeeping professionals and a network of Third Party Pension Plan Consultants to provide an outstanding experience for the business owner and their employees.
education planning
Can I afford to send my child to college? What's a 529 plan? If I have more than one child, do I need multiple 529 plans? What's the best way to save for college? We hear these questions all the time. Through our comprehensive financial planning process, we can help guide you through all of the different strategies and help pick the right one.
financial planning
We differentiate ourselves by offering specialized financial planning. With our accounting and tax backgrounds, our financial planning deliverable is as competitive (particularly in light of our reasonable fees) as any in the industry. The key is coordination and collaboration. We work hand-in-hand with your tax, insurance, bookkeeping, and legal professionals to ensure your plan is a comprehensive and fluid document that can be re-visited as your circumstances change year to year. Planning services can be provided standalone in an hourly consultative capacity or as part of the investment advisory agreement.
retirement planning
When can I retire? How should I invest my 401k? Is my 401k invested properly? ROTH vs IRA? Do I have enough money? How much should I be saving for retirement? When should I start receiving social security? Should I sell my house? Can I afford to live in a retirement home? These are great questions we can help answer through our in-depth financial planning process.
strategic philanthropy
Through our strategic partnership with Cogeo and vast network of estate planning attorneys and tax professionals, we provide expertise on maximizing your charitable intent through strategic philanthropy. Planned giving vehicles such as gifts of life insurance, donor advised funds, charitable remainder and lead trusts, and charitable gift annuities should be considered. To understand what vehicle to best leverage, get in touch with either Richard or Trevor.
“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.”