Investment and Asset Planning Services Offered

"Financial planning and investment advice is only valuable when you trust the people giving the advice and their ability to give good advice to your situation."

We are financial planners and investment advisors. We will be happy to give you advice on your financial concerns, including, but not limited to: investments, estate planning, business planning, retirement planning, asset protection issues, budgeting and bill paying, divorce settlements, credit counseling, insurance planning, inheritances, college funding and general tax planning. You are the sole determinant of how extensive the financial counseling you will need. You may continue for as long as you think is necessary, or stop at any time.

In many situations, clients are billed a fixed, agreed upon fee for preparing a financial plan. This is determined by an estimate of the complexity of the case. The fee can range from $500 to $15,000. Larger fees include the legal work being delivered to you by our counsel, Russell Johnson, attorney as well as comprehensive financial planning by our team. This fixed fee is paid partly up-front and the balance upon completion of the service. Fixed, agreed upon fee arrangements may be canceled at any time by the client by telephone or in writing. Any prepaid fees are refundable on a pro-rated basis of services performed. If this agreement is canceled within five business days, the client will receive a full refund.

In preparing financial plans, we have several meetings with clients in which we explore, with a client, their current financial situations and gather information about the clients current assets, goals, concerns, needs, dreams, and philosophies. We also educate clients in these meetings and help them establish concrete goals. Then as a planning team we carefully evaluate many financial and legal issues which concern a client's situation.

We prepare projections for future goals such as retirement, estate growth, taxes, and others. We explore solutions for many areas of personal and business finance which apply to the client's situation and concerns. We then prepare a financial plan for the client in written form and meet with the client to explain the details. Clients are invited to bring outside advisors into the planning and evaluation process as we are attempting to find the best possible advice and solutions for clients. After meetings which are to present and evaluate the financial plan, we offer to implement the agreed upon solutions.

We offer to implement our plans by offering to take several steps. These steps often include: having our counsel prepare or assist outside counsel to prepare legal documents; set up new investment programs; implement improvements in insurance programs; and have Mr. Niles set up new accounting programs and prepare tax returns. We believe that implementation schedules need to be agreed upon and then worked regularly so that procrastination is overcome and key plans are not missed or forgotten. We then meet with the clients on a regular basis to review progress. We believe that good plans need to be reviewed regularly and adjusted as the economy, laws, tax codes, personal situations and other things change. We often meet with clients on an annual basis to do a financial checkup and financial plan review. We charge professional fees for this service.

Many types of insurance such as life and disability are now available to consumers without any commission. These are purchased directly from insurance companies. We help clients evaluate their insurance needs, understand the types and costs of appropriate insurance and shop for the best policies. We charge an hourly rate for this consultation. Jordan Gary has an Insurance Counselor License in Texas which allows him to provide this service.