Our focus, to get you to, and through, retirement.
  

My Support Team

I have developed key partnerships with firms below who are experts in their narrow area of focus, so that I may focus on my area of expertise - helping and guiding you towards the outcomes and desires you seek through financial planning.

 

My support team provides all the office functions you and I need to manage your investable assets. Your resources are available when you need them through their dedication and hard work. Loring Ward located in San Jose California, provides support to independent advisers across the country like me who have clients just like you. Please note that Better Financial Education and Loring Ward are unaffiliated and separate companies, as are all the other companies across the country who synergistically use Loring Ward's valuable adviser support services.

Here is more information about my Service Partners.

 

Office hours are by appointment only.

 

 

 

You may always contact me at any time. My live phone reception team is not on site at my office, they are remote and are available anytime between 5 am to 5 pm Pacific Time (8 am-8 pm Eastern Time, etc). If you call after hours, you will get my voice mail, and your voicemail will be forwarded to me by email … I will return your call (or email) as soon as I can the next business day.

 

My reception team will transfer your call to me when I’m available in my office just like any receptionist would if they were sitting next door to me. I may be talking with another client, on a teleconference call, attending a webinar, coordinating action for another client, doing research on behalf of clients, or doing other activities where I am not able to answer my receptionist immediately.

If I’m not available, they can either take a message or transfer you to my voice mail and I will return your call as soon as I can … usually by close of business that same day (although there are exceptions if I am out of the office for an extended period of time - my receptionist has my general calendar and can tell you if I'm available that day or not).

My reception team has a general calendar available to them so they can provide you with a general idea what days and times are available if you would like to schedule a meeting, a call, or a GoToMeeting. You can then either leave a message with my receptionist as to your preferred date and time, or do so through my voice mail. Although they can’t confirm that meeting (since it is a general, not specific calendar), I will get your details and I will confirm your meeting with you.

I will get faster notice that you called, if I’m not available, and will respond to you as soon as I can. Isn't team work and technology wonderful!

Below are the various strategic partners I have which ensures that keys areas of needed expertise are professionally hired, trained and always staffed by talented people. This frees up my time to focus only on you!

 

What if something happens to me?


This is a common question and a valid question to ask me, and any adviser, you work with. There are two (2) important parts to this simple question.

 


First

Something happens that interrupts normal business operations.


I have formulated a written Disaster Preparedness and Business Continuity Plan that addresses how business operations continue in the event something disruptive to business operations comes along.
I rely on other businesses for major, and key, functions, many of which are illustrated in the above graphic. These firms interview, hire, train, and deal with everyday staffing schedules and needs as things change every day. Day to day business operations, and any issues that may come up, distract from my core responsibility – client needs. The main purpose of these strategic partnerships is to take ALL these important functions off my plate so that I may focus on specific client needs.


The moral of the story so far: key business functions are designed to continue without me! They also are designed to continue operations in some form or fashion following any disaster that may come along.

Second

The next thought you may have – what if something happens to me?

I would not be much of a planner if I hadn't made plans for my clients and family too!


I have a written agreement in place with another adviser who can step in and pick up where we left off if I am suddenly “hit by a bus.” How did I pick him? First, the planning and investment approach needed to be very similar so that there may be as little change as possible for clients. Thus, he will use the same investment firms I do so that nothing materially changes for clients (other than the face of the adviser). This is quite different from the random adviser replacement process you may have experienced from financial institutions.

Secondly, and very important to me personally and my own estate planning, was the key criteria of someone that I would trust as an adviser for my wife if I’m not here anymore. I would not be here to help with her own planning needs, so she would become a client too. Finally, the criteria were who was competent and ethical to become my wife’s adviser should something unplanned happen, and my own, adviser should I retire many years from now.


Moral of the story: my job is providing advice. Should I not be able to do that, there is a seamless transition, that will be by client choice as well, to another who I view is competent and ethical enough to go over my high bars that I've described above.

 

 

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