OUR COMMITMENT TO YOU

                                                      

I understand that choosing a financial advisor is an important decision and I am honored that you have chosen to begin a relationship with me.  Thank you for your trust!

Successful relationships are built on a clear understanding of expectations and responsibilities. To avoid misunderstanding between us, this letter outlines and confirms the basic parameters of our relationship. If you have any specific questions or concerns or want clarification on any detail, please call my office or stop by when you are in the area. Again, thank you for your confidence and I look forward to working with you.

Our Commitment to you:

  • We will provide professional services with integrity, diligence and objectivity.
  • We will maintain the knowledge and skills necessary to provide competent professional services.
  • We will be fair and reasonable in our professional relationship, disclose any conflicts of interest, always be transparent in regards to fees, return phone calls and emails promptly.
  • We will protect the confidentiality of all client information.
  • We will do our best to perform without errors.  If however, there is a mistake, we will immediately take steps to rectify the situation.

Ongoing Service:

  • 24 hour online access to Albridge Wealth Reporting and NetXclient
  • Quarterly Performance Report from Cetera Financial Group
  • Portfolio Review by phone or personal meeting; upon request and as needed

Phone and Email:

  • Calls and emails from clients will be returned within 24 hours
  • Regular Office hours are 10 am – 6 pm Monday through Friday except from February to April when we have additional weekend and evening hours.
  • Trades cannot be honored that are left in emails or on voicemail.

Statements:

  • Paperless statement enrollment through Pershing is available to avoid $1 surcharge for paper statement delivery.
  • Quarterly statements are automatically sent out and may be sent more frequently if there is activity in the account

Scheduled Meetings:

  • We ask that you be courteous and if you cannot keep an appointment; please call to reschedule.

Advisor Expectations of Clients:

  • Clients will respond to requests for information or paperwork in a timely manner
  • Clients will keep scheduled appointments or call office to reschedule as soon as possible
  • Clients will notify us promptly of any changes in their situations not limited but to include marriages, births, deaths, divorce, retirement, updating beneficiaries, sale or purchase of assets, email, telephone and addresses
  • Clients will tell us if they are unhappy
  • Clients will treat Advisors and Staff with dignity and respect
  • Clients will understand that some clerical tasks are handled by staff and not by the advisor

Methods to receive Your Money

  • ACH
  • Wire
  • Checks
  • Please request any funds at LEAST 5 business days in advance. Some situations ( ie.: a request for a 3rd party check) may take longer to process.  Also some distributions may require paperwork to be signed.

Scope of Services:

  • Financial Planning
  • Investments, Selection of appropriate vehicles and on going review 
  • Retirement & Distribution Planning
  • Income Tax Preparation and Analysis
  • Education Planning/529 Accounts
  • Long Term Care, Life and Disability Insurance
  • Estate Planning

Staff

The members of our firm who will work for you are:

Joan D. Siegel - CFP                            Ellen Miller                              Gary Smith  

Certified Financial Planner                      Sales Assistant                         Financial Planner          

Certified Tax Preparer                            Senior Administrator                  Certified Tax Preparer

IAR – Cetera Advisor Networks              Office Manager                         IAR – Cetera Advisor Networks

                                                           


Jeanie  Cacioppo - CPA                   Nancy Nearman                        Rhoda Rosenkowitz

Certified Tax Preparer                            Tax Preparer                             Tax Assistant