As I look back, I have come to realize that it was during my early teenage years that I learned how life may not be what you plan. As the middle child of five and after my father's early death, I watched my mother juggle her schedule to raise our family, all while working multiple jobs to support us. These early experiences taught me that life can be very unpredictable. This was the prism through which I discovered the importance of financial well-being, as well as the foundation for my desire to help others secure their financial futures.
Fast forward 35 years and you will find the business that I started has grown to include two of my sons, Adam and Andrew, working to help families deal with the uncertainties and opportunities of today and plan for the uncertainties and opportunities of the future.
This lifetime career of working with families has taught me that regardless of where we started in life, we share similar goals... enjoy life today, prepare for an unpredictable tomorrow, and provide for our families as efficiently and effectively as possible.
-Gary Russell
Keys to a Successful Relationship: What You Can Expect
You can trust that we will consistently and responsibly perform all requested services and that we will be available when you need us.
We will:
- treat you with respect, honesty and dignity.
- act as your agent, putting your interests first.
- strive to acquire a complete and accurate understanding of your goals, your tolerance for investment risk, and your time frame.
- propose strategies customized to your situation.
- explain the implications of the strategies we propose.
- update you by email, mail, and phone.
- meet with you at least once a year to review and update your plan.
Keys to a Successful Relationship: What We Can Expect
Effective communication and mutual respect are essential to a successful partnership, so we expect:
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- Sincerity
- Complete Disclosure
- Commitment
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As our client, you need to know that all investment, tax, estate, and insurance advice will be based on the information that you provide to us. Finally, we expect you to participate enthusiastically in the investment planning process.
Keys to a Successful Relationship: Mutual Responsibilities
Working together is essential to effective investment planning. To this end, we both need to make your financial strategies a priority.
We will:
- agree to keep each other informed of any new developments that might affect these strategies.
- agree to take the time to regularly review your financial plan.
- both be honest and forthcoming about your financial situation.
- work to develop mutual trust, respect, and understanding.
A Better Understanding
We understand that life can be unpredictable and financial positions can change dramatically. Whether it be from losing a spouse, a recent inheritance, retirement, a costly health emergency, or you are uncertain with current advice, our second opinion service is designed to help you decide if new direction and fresh insight is needed.
Understanding You
At our initial meeting we will have a personal, face-to-face discussion to gain an understanding of your specific concerns, your short and long-term goals, and what is most important to you.
Our analysis may include a discussion of the following:
- Costs and Fees
- Diversification
- Investment Risk
- Retirement Expenses
- Legacy Planning
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- Inheritance
- Gifting
- Outstanding Loans
- Income Strategies
- Estate Planning
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- Funding Trusts
- Performance
- Tax Efficiency
- Retirement Options
- Risk Management
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Review Your Strategy
During our second meeting we will discuss your original concerns, your current overall plan, and review our recommendations. If we mutually feel it beneficial, we can discuss next steps for an ongoing relationship.
