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Why fee-only?
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We elected to become Fee-Only in the early 1990’s. We
believed then and feel even more strongly today that there is not a better
business model that objectively aligns the interests of our clients with our
own. You don’t have to worry that our guidance to you is impacted by the
compensation we receive from a brokerage firm or fund company because we are not
compensated in the form of commissions for product sales.
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What can
I expect at our first meeting?
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At our first meeting, you will meet with a
team and we will get to know each other. We’ll take a look at
your current investments and ask a lot of questions about your
investment experiences and your hopes and dreams for your future.
We’ll also talk with you about your tax planning strategies, estate
plans, insurance and other issues that may influence the structure
and selection of your investments. You will also learn about us
as we share with you our core beliefs/philosophy. By the end of
that first meeting, we will have an understanding of what you
are currently doing and where it is likely to lead you – and we
may even be able to share with you a few things about your situation
that may be news to you. In summary, at the first meeting we will:
1. Listen to you, 2. Learn about the investments and strategies
you currently have in place, and 3. Point out any inconsistencies
or inefficiencies between your wealth and your objectives.
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What is
an "Advisory Team Meeting"?
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A key expertise of our firm is in the coordination
of our clients other key advisors. We encourage all relevant members
of your team, your attorney, your CPA, your insurance agent, your
trust officer, etc., to "be on the same page" when it comes to
your family and business planning. To that end, and with your
permission, we bring together your key advisors on an as-requested
basis. This fosters a more thorough and tailored set of solutions
for you. Stated differently, if your advisors don’t communicate
well with each other, your plans will be disjointed and less capable
of meeting your needs. Our job is to bring you the peace of mind
that comes from a fully integrated and well implemented plan for
you and your family. You participate at every level as fully disclosed
and fully vetted issues are discussed and resolved. The result
of the Advisory Team Meetings are often a complete and thorough
analysis of your situation and the action steps necessary to put
your financial future into a clear perspective and on firm footing.
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What types
of accounts should be included in "investable assets?"
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Brand Asset Management Group can coordinate
our counsel around the entirety of your investment assets. This
is typically some combination of personal, trust, business, real estate held for
investment purposes, retirement
(401k, NQDC, etc.), charitable and educational accounts. Our objective
is to bring focus to the big picture of your financial life and
we do this by consolidating the reporting and administration of
the various types of accounts that make up your invested net worth.
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What about my other family member’s
investment accounts?
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BAMG feels that the management of wealth through
time and across generations requires that the next generation
be prepared for the challenges that wealth can pose. When allowed
and appropriate, we invite families to include other members in
the planning. Whether that means explaining a college savings
plan to a high school student or helping to set up a savings plan
for your spouse, we intend to share time-tested financial principles
with anyone you feel needs to know.
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Where are your clients located?
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We have clients in over a dozen states and while our
base of operations is St. Louis, Missouri, we recognize that not
everybody chooses to live in the same locale for their entire life,
therefore, we come to where our clients live.
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If we retain your firm, will your counsel
be to sell all of our existing investments?
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Before we make any recommendations to you,
we’ll thoroughly analyze that which you already own. If it is
cost effective, tax appropriate and a quality investment in it’s
category, we’ll share that with you and show you how that investment
fits into your overall plan.
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How often can we expect to visit face-to-face
with an investment counselor?
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The short answer: as often as needed. We view
our "investment reviews" to be the lifeblood of our relationship
with our clients. We have never turned down an opportunity to
personally visit with our clients. If that means monthly, quarterly,
semi-annually or annually, our offer is to meet with you as often
as is needed to meet your needs.
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