A little over a month ago, I went on vacation with Wendy and two good friends. We had a great time! It is always good to unwind with folks you enjoy spending time with.
As part of this, I was asked to join my friends at a golf outing. It was my very first time playing anything other than putt putt, an embarrassing admission from a financial advisor. My friends were very supportive and promised to provide constructive advice while only occasionally poking fun.
We ended up purchasing roughly 40 golf balls combined; a good call as I was responsible for losing about 30 of them after we played all 18 holes.
There would be instances where I would try to hit the ball forward and it went right or left. There were countless numbers of swings and misses.
I even accomplished a feat that neither of my friends had ever seen. In attempting to drive the ball with a 7-Iron off a tee, I made the strongest contact of the entire day ……. with the tee itself. I hit the tee squarely a solid 50 yards or so and didn’t touch the ball at all. The tee was hit from under the ball, and the ball dropped on the ground without moving forward an inch; the golfing equivalent of pulling off the tablecloth from a table without moving the dishes. My moment of celebrity, but unfortunately no I-phones were recording it to create a viral You-Tube moment.
It was a rough time with all the different clubs except for perhaps the putter. The putter was my best friend, and I eventually made the strategic decision of using it for all shots 100 yards or closer.
There were some successes along the way and my friends made sure to cheer me on when I achieved those. They truly wanted to encourage me even if it was hard not to snicker at some of the funnier missteps. I was told that there was a high ceiling to my game and that the right coach could allow me to reach my full potential.
Financial planners are effectively financial coaches. We all have varying levels of experience in making the right personal financial decisions. For those with less experience, the experience of a qualified financial planner can add significant value and be an excellent option.
Even my friend with the strongest golf game indicated he would be interested in a coach. He was convinced that a more experienced player could identify some of the flaws in his approach and his swing to make him an even better golfer than he already was. He felt he could also use an outside perspective as we are all subject to our own biases.
Many of us are very knowledgeable about making personal financial decisions without the advice of a financial planner. However, we don’t know what we don’t know. A good financial planner can help to uncover opportunities which could make good decisions even better. They can also provide that outside and unbiased perspective that so many of us need.
Our motto is “we can help you with that.” We will collaborate with you on any financial decision you make, engaging other subject matter experts when necessary. We will not stop until we get things right.
We encourage you to reach out to us for assistance in making important financial decisions and we always appreciate you recommending us to others.
by Hetmayar
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Hourly consulting is available for specific issues – $400.00 per hour. This is appropriate for guidance with regard to one particular element or question regarding estate planning or investing.
Retirement Plan Consulting is also available on an hourly fee basis.
All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
Pricing Starting At: Singles $3500* | Couples $5000* | Business Owners $6500*
Financial Consulting includes the following services:
*Depending on complexity
**Client administers investment changes
Comprehensive Financial Planning included with managed assets above 750k. Financial Planning is an additional cost if less than 750k.
The following cost schedule applies for personalized financial planning services & wealth management relationships:
| Aggregate Market Value | Investment Management Costs |
| $3,000,000 + | .70% Annually |
| $2,000,000 to $3,000,000 | .80% Annually |
| $1,000,000 to $2,000,000 | .90% Annually |
| $750,000 to $1,000,000 | 1% Annually* |
| $500,000 to $750,000 | 1.25% Annually* |
Annual costs include the following services:
*Client pays all trading costs on accounts.
