Q. Who is your typical client?
A. We work with a broad range of people, both in terms of their age and financial circumstances. We are especially attuned to the needs of people who are nearing the end of their working years, or who have entered retirement and are now concerned with how to make their retirement income last. We have no minimum investment requirements, and encourage anyone who would like some assistance to come in for an initial meeting.
Q. Do you charge for initial consultations?
A. Our consultations are complimentary, and available to everyone. The consultation comes in two stages. In the first meeting we get to know one another, and we gather information to build the financial analysis. In the second phase we present the financial analysis which will provide clear insight into your current retirement position and options for improvement. The entire process is complimentary. Only if we decide to work together, and provide our services are we compensated.
Q. How do you charge for your services?
A. That decision is entirely up to you. We offer a number of services and account options for you to choose from. You may choose to work with us using a brokerage or commission based account; an advisory account, which is an annual percentage of assets under management, or you may choose to work with us on an hourly rate. We fully explain the details of each account type so that you may choose the option best suited for you. We always fully disclose how we are compensated, and if in the future you decide that you would prefer to change the account type, we are happy to do so.
Q. Will you work with my estate attorney or CPA?
A. Yes. We welcome and encourage a collaborative relationship, as it allows us to provide a premium service and continue to do our job well. Not only will we work with your attorney or CPA, if you are in need of one, we have several well regarded professionals that we can recommend.
Q. Will I be able to work directly with Shane and Susan?
A. Certainly. We will both work with you directly during the initial consultations. We have found that this approach allows us to gain a more complete picture of your personal and financial goals, and build investment strategies hand tailored to your needs.
Q. Do you have any investment or insurance company affiliations?
A. SC Financial Group and our advisors are completely independent, and have no affiliations or connections with any outside organizations. Because we are independent, we have the full spectrum of investment and insurance vehicles available.
Q. How do I prepare for my consultation?
A. To assist you in preparation, we provide a reference list of items that you should bring with you. These items help us build the most accurate financial analysis for you. If you are married we recommend that both of you attend the consultation meetings to ensure you are clear as a couple on where your retirement position stands.