Frequently Asked Questions
What can a Financial Advisor help me with?
A financial advisor helps you create a plan for your specific financial goals and provides guidance for a wide range of topics and issues spanning investments, retirement, insurance analysis, estate planning, tax planning and risk management.
How is Garner Group Financial different from other firms?
We are an independent family wealth management firm focused on building lasting relationships driven by strong ethics, trustworthiness and empathy. We strive to deliver on our mission to clients and deliver quality work that is personalized and focused on your goals.
What services are typically offered?
Investment management, retirement planning, estate planning, tax planning and insurance needs analysis are our most common services rendered.
Who do you work best with?
We work best with clients who have $250,000 to $10 million in investable assets and are in need of strategies designed to help them efficiently grow, preserve and pass on their wealth.
How do I know if I need a financial advisor?
Making important financial decisions alone can be a difficult endeavor and mentally taxing. Having a team help present and plan for different scenarios for you can help bring stability to stressful situations. Seemingly small mistakes can have a big impact down the road!
What is needed for the first meeting?
Typically, recent statements for relevant accounts, goals and just being yourself.
How are you compensated for providing your services?
Our fees are for financial planning engagements, investment management and/or both. Our planning fees are based on the complexity of your situation and how much investable assets we will manage.
How do you build a portfolio for clients?
We take into account many different variables and insights including your age, financials, risk tolerance and risk capacity and help build a portfolio suitable for you.
Do you have an investment philosophy?
Our philosophy and approach to investing is simple – long-term investment, time in the market, keeping investing costs low, and aligning your assets with your goals while keeping taxes and managing risk in mind.
What is included in my financial plan?
Your financial plan will include the areas in which you wish to focus on such as retirement planning, insurance review, investments, estate planning, tax planning and other specifics unique to you.
What is the review process like?
Typically, we will meet with clients over phone, teleconference or in person, every 3 to 6 months, or less frequent if requested. We can be contacted at any time by email or phone.
Do you help with any tax planning?
We do, but we do not prepare any tax returns. Instead, we focus on strategies that may help reduce your long-term tax issues.
Do you help with retirement income strategies and issues?
Yes, we can help design and potentially optimize your retirement nest egg and savings with the goal of providing sustainable income to meet your goals in retirement.
How can I schedule an appointment or request a meeting?
Email us or call us, visit our website and fill out a request form as well!