WHAT IS “LOCATION-INDEPENDENT” AND WHY IT MATTERS TO YOU?

We believe that the most valuable asset our clients have is their time. To save the time and money spent on the commute, we provide flexible virtual meeting option for our busy clients like you. It also gives us the ability to serve you wherever you are.

We understand that some clients still prefer in-person meeting. Besides our El Segundo location, we also partner with a leading co-working space company to provide flexible professional meeting option in Downtown Los Angeles, Pasadena, and Santa Monica. 

What is “Fee-Only” and why it matters to you?

The National Association of Personal Financial Advisors (NAPFA) defines a Fee-Only financial advisor as one who is compensated solely by the client with neither the advisor nor any related party receiving compensation that is contingent on the purchase or sale of a financial product. (Source: NAPFA)

In other words, we do not receive any commissions by selling products. We only get paid by providing independent and objective advice with minimal conflict of interest to our clients.

What is a “Registered Investment Advisor ” and why it matters to you?

A Registered Investment Advisor is an advisor or firm engaged in the investment advisory business and registered either with the Securities and Exchange Commission (SEC) or state securities authorities.

Registered Investment Advisors have a fiduciary duty to their clients, which means they have a fundamental obligation to provide suitable investment advice and always act in their clients' best interests. (Source: Investopedia)

What is “Financial Planning” and how it compares to “Investment management”?

The CFP Board defines financial planning as “the process of determining whether and how an individual can meet life goals through the proper management of financial resources. Financial planning integrates the financial planning process with the financial planning subject areas.”

Financial planning subject areas denote the basic subject fields covered in the financial planning process which typically includes, but are not limited to:

·         Financial statement preparation and analysis (including cash flow                             analysis/planning and budgeting)

·         Insurance planning and risk management

·         Employee benefits planning

·         Investment planning

·         Income tax planning

·         Retirement planning

·         Estate planning

(Source: CFP Board)

Investment management is only the implementation part of the investment planning covered in the personal financial planning process.

Click here to download a free copy of “Consumer guide to financial planning” from CFP Board.

Click here to learn more about the common topics we cover in a comprehensive financial plan.