How much does it cost to work with a financial advisor?
At Smart Investments, we are always happy to provide an independent perspective on your existing portfolio at no obligation or hourly fee. At our initial meeting, we will provide full disclosure of any future compensation we may receive in commissions.
What do I need for our first appointment?
A copy of your most recent investment statements, insurance summary, or group benefits booklets will be useful to help us understand your current situation.
What work do you do to manage my investment portfolio?
We begin our investment work by finding the appropriate type of account and level of volatility for your portfolio. Do you thrill at the “sale prices” when the market declines and rush to invest, or do those drops give you heart palpitations – in a bad way? Do you need the money in a few years, or a few decades? The answers to these types of questions will help us choose the right portfolio for you.
Once we’ve agreed on a portfolio, we monitor how it performs in real time using our proprietary rebalancing software. We’ll call you when it’s time to rebalance your portfolio, advise you of a fund series that can benefit you, or recommend transactions that will provide tax savings. We work hard researching investment news and opportunities, so you don’t have to.
How do I know if I need insurance?
We conduct a full evaluation of your existing assets and insurance, as well as your goals and current situation, to determine whether you need life, disability, critical illness or other types of insurance. That way you can rest assured that your family and business needs are properly protected.
What is “mortgage insurance”?
Mortgage insurance is one of many types of life or disability insurance. If you need your mortgage balance protected with insurance, make sure you know your options before making a decision. Otherwise, you could find yourself with coverage that does more to protect the bank than your family. Click here for a summary comparing key aspects of mortgage insurance vs. personal insurance.