What services do you offer?
We offer comprehensive financial planning services including retirement planning, investment management, tax analysis, estate planning, and insurance solutions. Each service is tailored to your specific needs and goals.
How do you get compensated for your services?
Our compensation structure varies by service. We’ll clearly explain all fees or commissions during our initial consultation before you make any commitment. Securities are offered through OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA, SIPC.
What can I expect in our first meeting?
Our initial consultation focuses on understanding your financial situation, goals, and concerns. We’ll explain our services and approach, but make no specific recommendations until we have a complete understanding of your needs.
How often will we review my financial plan?
We typically conduct regular reviews to ensure your plan remains aligned with your goals. The frequency depends on your specific situation and preferences.
What is your investment philosophy
We focus on creating diversified portfolios based on your risk tolerance, time horizon, and financial goals. All investing involves risk including potential loss of principal. Past performance is not indicative of future results.
(The use of asset allocation or diversification does not assure a profit or guarantee against a loss).
Do you provide tax and legal services?
We do not provide tax or legal services. For specific questions, we recommend consulting with qualified tax and legal professionals. We can work collaboratively with your existing advisors.
How are my investments protected?
SIPC protects against the loss of cash and securities – such as stocks and bonds – held by a customer at a financially-troubled SIPC-member brokerage firm. The limit of SIPC protection is $500,000, which includes a $250,000 limit for cash. Most customers of failed brokerage firms are protected when assets are missing from customer accounts.
SIPC protection is limited. SIPC only protects the custody function of the broker dealer, which means that SIPC works to restore to customers their securities and cash that are in their accounts when the brokerage firm liquidation begins.
SIPC does not protect against the decline in value of your securities. It is important to recognize that SIPC protection is not the same as protection for your cash at a Federal Deposit Insurance Corporation (FDIC) insured banking institution because SIPC does not protect the value of any security.