Why work with Crest Wealth Advisors?
C- Clarity, Communication & Confidence – Based on my clients’ individual needs and goals, I listen to develop a clear understanding of where they are currently and discuss steps toward a secure financial future.
R- Research, Resources & Reassurance – Working as a true partner and professional, my clients receive recommendations based on their individual goals, aimed at providing them, and their families, with the future they desire.
E– Education, Experience and Effectiveness – A CERTIFIED FINANCIAL PLANNER™ (CFP®) professional receives the highest level of education and certification in the field. As a CFP® professional, I have the technical and analytical skills to do the primary research and due diligence for every client’s unique investment plan.
S– Strategies for Success – As your advisor, I assist you, the decision-maker, in determining the appropriate asset allocation, emphasizing diversification, tax efficiencies, risk mitigation, capital preservation and long-term growth.
T- Trustworthy – By putting my client’s interests first, acting with honesty and integrity, I strive to provide each client and their families with peace of mind. That is the cornerstone of my beliefs and the mission of Crest Wealth Advisors.
Who are your typical clients?
My typical clients are individuals and couples who understand they need assistance in managing the complexities of their financial lives. They are busy, time-constrained individuals who are entering or in the peak of their careers, raising families and juggling the many needs that require their attention. Issues they may face include: maximizing savings for various goals (retirement, children’s education, short-term goals), making sure their hard-earned money is properly invested and constantly being monitored—and planning for life’s uncertainties.
What services do you offer?
I offer comprehensive financial planning and investment management services. These are mutually exclusive and you can engage with me for either service, although I typically find it most beneficial for clients to address both areas as each impacts the other.
Through these services, I can assist you in investment management, retirement planning, education planning, insurance planning, goals-based planning, cash flow analysis and more.
What are your fees?
My fees are billed in one of two ways (never both).
1 - For clients with under $300,000 of investible assets or those seeking only financial planning: An upfront onboarding fee of $1,000 plus a monthly retainer fee of $225 for individuals and $275 for married couples. This fee includes ongoing financial planning as well as investment management by CWA on up to $300,000 in assets, although having assets to manage is not a requirement. Once assets under management surpass $300,000, clients will transition to the investment management fee schedule.
2- Investment Management clients will be assessed a fee based on a percentage of assets under management. Clients with $300,000 or more of assets under management by CWA will receive comprehensive financial planning at no additional charge.
How do you measure success?
Financial success is about more than just portfolio returns. Yes, that is certainly an important part of the equation, but there is more to it. Success to me means that we are meeting pre-determined goals, improving your entire financial picture, and providing you with the peace of mind that you were seeking when you sought out our services.
What is your general investment philosophy?
My investment philosophy is based on the following:
- Maintaining a long-term perspective
- Implementing broad diversification
- Utilizing strategic asset allocation and asset location
- Avoiding market timing
- Managing emotional reactions
- Focusing on what we can control in the equation
What does it mean to be a fiduciary, and are you one?
Absolutely. As a CFP® Professional, I am required to act in your best interest. Not only is this required by being a CFP® professional, but it is the right thing to do and should be expected of any individual managing your finances.
Do I need to have a minimum portfolio size to work with you?
No. I believe that everyone should have access to proper financial planning and investment management, regardless of the size of their portfolio.