It may be one of the biggest moments in your life. You've been working a lifetime to finally have the opportunity to enjoy retirement. Here are some common questions that we are asked.

What can I expect the first time we talk?

On this initial call, we are introducing ourselves to each other and the intent is to have a stress-free conversation regarding your financial situation and goals.

We will share with you our philosophy and what our process looks like. Naturally, you may have some questions, perhaps relating to your retirement goals, or to better understand what it would be like working with us.

At the end of the call, we can discuss what the appropriate next steps would be. Overall, the call usually lasts somewhere between 15-30 minutes.

What services do you provide?

Under the services tab in the menu, you will find some of the services that we provide. If what you are looking for is not on there, feel free to reach out and we can let you know if it is something we can help you with.

What does it mean to have a fiduciary duty? (For Advisory Clients Only)

Fiduciary duty represents the highest degree of trust and confidence that the investment advisor will act in your best interest. Investment advisors and their representatives are governed by the Investment Advisers Act of 1940 and applicable state securities laws, which govern conduct and disclosure requirements, creating a high legal standard referred to as "fiduciary" duty.

Your investment advisor representative has the duty to:

• Make full and fair disclosure of all material facts, particularly where the advisor's interests may conflict with the client's
• Have a reasonable, independent basis for their investment advice
• Obtain best execution for clients' securities transactions where the advisor is in a position to direct broker/dealer transactions
• Ensure that investment advice is appropriate to the client's objectives, needs and circumstances
• Refrain from effecting personal securities transactions inconsistent with client's interests
• Be loyal to clients

What is your philosophy and approach with your clients?

Our philosophy is simple. Always have the client's best interest in mind. In terms of our approach, we have an understanding that everyone is different in terms of how they want their relationship to be like with us. Our goal is to set up a communication cadence that makes you feel comfortable and always informed.

What areas do you typically serve?

Our professionals are registered and have clients in 27 states. Many of our clients are in the Southern California region, but over the decades with people moving around, we find we have many clients all around the country. Technology makes it so that the quality of our service is not diminished with distance.

How do I get started?

There are a few ways that you can get started. We have two phone numbers and we also have a contact us form on this website. To reach us directly, call 805.852.2300.