FAQs
- What should the customer know about your pricing (e.g., discounts, fees)?
At SG, we believe in transparent, aligned pricing: Fee-Based Structure: We are a fee-only firm. Our advisors are salaried employees, not commission-based, ensuring our interests align with yours. Asset-Based Fees: Our standard fee starts at 1.45% of assets under management. Sliding Scale: We offer discounts that depend on the size of the portfolio. Fee Alignment: Our success is tied to yours. Special Discounts: We proudly offer reduced rates for: -Teachers -Firefighters -Police officers -Active military personnel -Veterans Our pricing model is designed to foster long-term partnerships. We're committed to building sensible financial plans that work for you, without hidden fees or conflicting incentives.
- What is your typical process for working with a new customer?
Our Three-Step Process for New Clients: Discovery Meeting: • Get to know you and your financial picture • Discuss your concerns and goals • Determine retirement needs • Address variables (e.g., optimal retirement timing, Social Security benefits) • Gather information to create a draft plan Plan Review Meeting: • Present draft plan with best available options • Recommend potential changes to maximize assets • Collaborate to optimize and finalize plan details • Ensure all your needs are addressed Implementation Meeting: • Put your customized plan into action • Set up ongoing support: Schedule quarterly, semi-annual, or annual reviews based on your preference Throughout this process, we crunch the numbers, map out scenarios, and work closely with you to create a plan that aligns with your unique situation and goals. We aim to design a comprehensive strategy that not only meets your current needs but also adapts to future changes in your life.
- What education and/or training do you have that relates to your work?
Our advisors are equipped with comprehensive education and training to provide top-tier financial guidance: Professional Licensing: • All advisors hold required professional licenses Advanced Training: • Rigorous in-house training beyond basic licensing • Focus on complex financial planning scenarios: Optimal retirement timing, Determining maximum sustainable spending rates, Plan optimization and efficiency Specialized Certifications: • We have advisors that are Certified Financial Planners (CFP®) Ongoing Education: • Continuous learning to stay current with financial trends and regulations Access to Experts: • In-house CPAs for intricate tax planning • Estate planning attorneys for complex legacy situations Interdisciplinary Approach: • Collaboration across specialties to provide comprehensive solutions Our team's one-stop shop approach allows us to handle a wide range of financial situations, from straightforward planning to the most complex scenarios. We're committed to ongoing education and professional development to ensure we always provide the most current and effective financial advice.