Unparalleled Service Standards
Our Strategy – there is no “one size fits all” strategy
Adavantages vs Traditional Service Providers
Creative. Objective. Confidential.
These three words, located on the firm logo, articulate the firm’s philosophy. We believe a creative flow of ideas helps in enabling our clients quantify and reach their financial goals.
Working collaboratively, we explore solutions to multi-faceted situations without preconceived ideas. In short, each personal relationship is unique; the course should be as well.
We will always respect the confidentiality of your financial matters and make every effort to safeguard personal information.
For both asset management and financial planning / general consultation, there is not a minimum number of hours or fee.
At our initial consultation, we will discuss the nature and scope of the proposed relationship to determine if our firm is a good fit.
Our consulting and planning rate is $275/hour. Asset management fees start at a maximum of 1%/year (charged quarterly).
Insurance and annuities are placed on a commission basis.
Thome Financial is not a custodian and does not hold any clients assets. For investment management accounts, we suggest the use of Charles Schwab Institutional with whom we have negotiated reasonable fees and a strong service package. However, we are not limited in our use of custodians and will consider the use of trust companies, banks and other brokerages as the need arises.
The ADV Part 2 is our regulatory disclosure document and is available upon request. All prospective clients will be given a copy and asked to read it thoroughly before engaging our firm. We also have traditional firm pieces explaining our suite of services and biographies of key persons.
Copies of sample financial plans, analysis and periodic performance reports are all available. Depending on the breath of service, we will review all relevant reports with you during the initial stages of our relationship.
As every investment portfolio is different, so is individual investment performance. We do not disclose the performance of actual client accounts, but will share the specifics about the various investment vehicles we use for implementation including mutual funds, exchange traded funds or individual securities.
Of course. Many of our clients already have long standing professional relationships with other service providers. If appropriate, we will work in concert with others on your team to ensure our individual advice makes sense collectively.
There is not one right answer for every investor. We have both the analytical tools and business experience to help develop investment portfolios that best reflect your ideals. We should be able to construct a portfolio that reflects your core values.