As a key principal, first, we listen to you. Learn and understand what you are looking to accomplish. Together we will examine your objectives, available resources and any limitations. We will rank your objectives according to your priorities. Also, we request all our clients fill out a risk tolerance questionnaire in order to better serve you and design a portfolio that meets your objectives, tolerance for risk and time horizon.
We review your concerns and set realistic expectations for your goals. Discuss and review the investment strategy and recommend possible changes to your current investment allocation. Present and review the mutual agreement proposal outlining the services to be provided, fees and complete any additional paperwork.
Using your feedback we modify your goal projections to accurately illustrate your plans. This may cover concerns relating to specific cash flow needs, education and retirement. We discuss your estate planning, any gaps in your current insurance coverage and income tax strategies developed with input from our team of experts.
We clarify your ideas. Evaluate with you any alternatives. Make specific and timely recommendations. We execute your account transfers and invest your funds according to your portfolio strategy. We follow through with our experts for income tax strategy, insurance and estate planning concerns. We deliver a finalized written version of the financial plan.
Periodically, we schedule meetings to review your plan to evaluate any changes in your lifestyle as well as any changes in tax law, economic conditions and available investment services. Most importantly, we will examine the progress toward achieving your goals. We want the plan to be flexible and responsive to changing conditions. The plan is a road map but life sometimes holds unforeseen events such as an unexpected life transition, a new opportunity or change in resources.
Regulatory Disclosure: The information on this website has been obtained from sources considered reliable, but its accuracy and completeness are not guaranteed. This website is neither an offer to sell nor a solicitation to buy any securities. Gerard Gruber offers Securities and Investment Advisory and Financial Planning service through Geneos Wealth Management, Inc, Member FINRA/SIPC. Investments are not FDIC insured. Investments are not deposits of the financial institution and are not guaranteed by a financial institution. Investments are subject to investment risks including loss of principal amount invested.