What is financial consulting?
Financial consulting, very simply, is the process of determining your current financial situation, identifying your financial goals, and establishing a program to pursue these goals.

What should you look for when selecting a financial professional?
Ask for recommendations. Advisors you trust, business associates, and friends may be able to recommend some people they know.

Interview several companies. Ask them to describe their backgrounds and specialty areas. Request references from current clients. In addition, ask if the professional has a current registration or a disclosure statement available that may contain detailed information regarding compensation, conflicts of interest, business affiliations, and personal qualifications.

Make sure you understand the services offered and the method of compensation. Request a written agreement or an engagement letter to document the nature and scope of the services the professional will provide. In addition, the professional should clearly explain how he or she expects to be compensated. Generally, compensation takes one of three forms: fees only, fees and commissions, or commissions only. We work with each client on an individual basis and will be happy to explain the advantages and disadvantages of each.

Evaluate your personal rapport. Several financial professionals may be equally competent. Select the one with whom you feel most comfortable.

What can you expect from the financial consulting process?
Personal financial consulting is the process of determining how individuals can pursue their life goals through proper management of their financial resources. This broad-based approach to financial strategies distinguishes financial professionals from others who typically focus on only one area of a person's financial life.

Who is our broker/dealer and what do they do?
Our broker/dealer is Commonwealth Financial Network. It is headquartered in Waltham, Massachusetts, and San Diego, California. Commonwealth provides us with access to many of the products we use to pursue our clients' financial goals. It also assists us in areas of back-office administration, allowing us to devote our time and efforts to our clients' needs and concerns. You might be interested to know that Commonwealth has been rated the #1 broker/dealer in the country ten times by Investment Advisor magazine. We're very proud to be associated with them.

What is the first step?
Call, fax, or e-mail us. And we'll take it from there. All you have to do is contact us to begin taking control of your financial future.