The Value of a Financial Advisor

Financial planning is a collaborative relationship where both the client and the advisor work together. As financial planners, Phil and Marcus help individuals and families identify their objectives, define their dreams, develop a plan to help them get there, and then track their progress along the way. Not only are they a "financial coaches," but they work with other specialists as needed to make sure that all financial areas are coordinated and monitored.

Working with an advisor may help you:

  • Avoid costly mistakes when selecting investments, considering loans, or making any significant financial decisions.
  • Help you work towards goals such as college educations for children and grandchildren, support for charitable organizations, etc.
  • Create a specific plan of action to fund your retirement and ensure you don't outlive your money.
  • Assess your insurance needs, reduce your taxes, and make sure you have the proper estate planning tools in place.

To begin, we recommend a no-obligation consultation. There is no charge for this meeting. It is an opportunity for you to get to know Philip Johnson or Marcus Johnson and to learn more about our services. It also gives us a chance to learn more about you and whether you would benefit from our experience.

Responsibilities of the Client

  • Provide honest and complete data.
  • Consider goals and prioritize them.
  • Commit to a financial plan of action.
  • Carefully read all contracts and statements.
  • Understand that all investments involve risk.
  • Report changes in your personal situation to your advisor.
  • Review with your advisor on an annual (or as needed) basis.

Responsibilities of the Advisor

  • Assess all data to know a client's situation.
  • Determine the risk tolerance of a client.
  • Protect and secure all client information.
  • Disclose all fees for services.
  • Help client have realistic expectations.
  • Make recommendations based on client's needs and objectives.
  • Execute transactions in a timely fashion.
  • Clearly communicate with the client.