1. What differentiates you from other financial advisors?
2. How are you compensated?
7. Do you prepare income tax returns?
- Specialization - We specialize in working with time-constrained executives to
optimize the value of their company provided benefit plans including stock
options, restricted stock, deferred compensation and other benefit programs.
Significant first hand business and personal finance experience in dealing with
the same issues our clients face every day as they seek to achieve their financial
goals and improve their financial position.
Independent – We are not affiliated with any broker/dealer, insurance or other
financial services company. As such, we have no obligation or incentive to
recommend a specific company’s products or services.
- Fee Only – We do not receive commissions or sales fees from third parties. Our
advice to clients is not influenced by how much we may make from the client
implementing our recommendations.
- Adherance to a fiduciary oath – We adhere to the National Association of
Personal Financial Advisors (NAPFA) Fiduciary Oath . This means that we put the
client’s interest before our own when making and implementing
recommendations.
Adherance to a code of ethics – We adhere to both the NAPFA Code of Ethics
and the CERTIFIED FINANCIAL PLANNER™ (CFP®) Board’s Code of Ethics.
These codes define the principles and rules by which we operate our business.
2. How are you compensated?
Our only compensation is the fees paid to us by our clients for the services we
provide. We do not sell any products nor receive commissions from product
recommendations. Please see our form ADV for more specific information on
fees and compensation. Our form ADV can be accessed by entering our firm's
IARD/CRD number of 147097 on the SEC's Investment Adviser Search web
page:
http://www.adviserinfo.sec.gov/IAPD/Content/Search/iapd_OrgSearch.aspx
For most clients the initial planning and implementation process takes one to
three months to complete from the first call. More complex situations may
require more time. Often the planning and implementation schedule is driven by
client availability, document turnaround time, and the amount of time clients
need to make important decisions regarding the various options available to
them in developing and implementing their financial plan.
Yes, Avalon Financial Advisors is a wealth management firm. Our services
include coordinating and administering a broad range of financial affairs for
individuals and families.
Yes, Avalon Financial Advisors is an investment management firm that provides
ongoing management of clients' investment portfolios. As part of our
comprehensive service offering, we review existing client investments, provide
recommendations as to portfolio allocation and composition, effect recommended
changes, regularly monitor investment performance and re-balance the portfolio
as warranted.
Investment management services are focused on managing the client’s
investment assets while wealth management services are more comprehensive
and include providing ongoing advice and management of a mutually agreed
upon range of financial affairs for the client.
7. Do you prepare income tax returns?
While we assist clients in identifying and understanding the tax implications of
various financial decisions we do not prepare tax returns. However, we work
closely with our client’s existing tax professionals to ensure that our efforts are
coordinated with one another and not duplicated.
The National Association of Personal Financial Advisors (NAPFA) is an
organization of fee-only financial planners that promotes some of the strictest
guidelines for professional competency, ethics, comprehensive financial planning,
and Fee-Only compensation. With more than 1,300 members across the country,
NAPFA is the leading professional association in the United States dedicated to
the advancement of comprehensive, fee-only financial planning. For more
information about NAPFA, please visit http://www.napfa.org/about/index.asp
A Fee-Only financial advisor is an advisor who, in all circumstances, is
compensated solely by the client, with neither the advisor nor any related party
receiving compensation that is contingent on the purchase or sale of a financial
product. A NAPFA member or affiliate may not receive commissions, rebates,
awards, finder's fees, bonuses or any form of compensation from third parties as
a result of a client's implementation of the advisors recommendations.
| ©2009 Avalon Financial Advisors, Andrew P. McVay, Principal. All Rights Reserved. |
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Charting the course to reach your financial goals.
