Work With David

I’ve been very fortunate to have a great group of clients for many years. While every client is unique there are a few common traits that might help you determine if you would also benefit from working with me.

• Most clients are either retired or within 10 years of retirement.
• Most clients are fairly conservative investors that place high value in the safety of their investment plan.
• My clients place less emphasis on taking high risk in effort to generate maximum return.
• My clients are patient, long term investors committed to having a custom asset management plan to work for the
rest of the lives – not short term trading that may or may not work.
• Most clients are successful, family oriented, community involved people with life purpose that far exceeds just
money and personal belongings.

I am a Fee-Based financial advisor that proudly acts as a Fiduciary for my clients. This means I have a legal obligation to put clients interests far before my own in all recommendations I make.

Each client receives a custom financial and investment management plan geared towards their unique financial goals and objectives. I build these plans around life events such as retirement, wealth transfer, business succession planning, and asset protection. My specific area of expertise is in retirement income planning; although I also have expertise in retirement planning, investment management, and risk management.

As is hopefully evident by my blogging activities – I communicate regularly with clients via technology (phone and email are my preferred communication medium). My experience is that it is very, very difficult for financial advisors and investment managers to actually perform their job if they are on the phone or in meetings all day, every day. As such I block two months just for doing meetings with clients and use the other months for managing assets and doing research for client benefit.

I visit with each client twice per year and provide unlimited email and phone support between meetings. Some of my clients are local to Central Kentucky – but many are from all over the United States and we work together virtually. Under this arrangement we use web conferencing, phone, and email to regularly communicate.

Working with a financial advisor without having to drive to their office is actually very easy and convenient. Meetings can be done from the comfort of your home or office while we still see each other over the computer screen while simultaneously being able to review financial matters.

All clients have 24/7 secure online access to their accounts. I invests in technology to provide clients with real time account alerts and monitoring to ensure all planning is done at the time it is needed, rather than the reactionary way many advisors provide support.

I charge a simple, low, flat fee for financial planning. In almost all cases the planning fee is just $500. For clients that want ongoing help managing their investments fees are based on a percentage of assets under management. For asset management I strive to keep costs as low as possible, so clients can keep more of their return (the way it should be). If you’d like complete details of my firms fee schedule just use the contact form on my site and I’m happy to provide an estimate for your situation.

When I manage accounts it is done so via an independent custodian and we never (ever) take custody of client assets. This is important as it protects investors from fraud and theft. It also ensures I never make a commission for transactions since I am not a representative of any financial custodian. My clients assets are held with National Financial Services (NFS), a wholly owned subsidiary of Fidelity Investments.

If after reading above you’d like to have a conversation about working together I’d be happy to invest an hour of my time getting to know you better, your financial goals, and help determine if there’s value I can provide in your life. To set up an initial meeting, have your questions answered, and to see if we could be a good fit – just use the “Book Appointment” button below.

Thanks for checking out this tab and learning more about who I serve and how we work together.

Best regards,

David