为什么我们不同
我们的收费受托方式超越了管理您的投资. We are a financial planning centered firm that is focused on the big picture and obsessed with helping our clients make sound financial decisions at every point in their lives.
We help our clients make intentional and informed financial decisions by analyzing every aspect of their financial lives. 这包括他们的投资, taxes, 退休, 企业, 遗产规划, 人寿保险, gifting, and more.
我们帮助简化积累财富所带来的复杂本质.
FAQs
你们是受托人吗?
DecisionPoint金融, LLC is a Registered Investment Advisor (RIA) with a fiduciary duty of loyalty to our clients.
RIA对他们的客户负有信托责任. 这意味着我们在法律上有义务始终为您的最佳经济利益行事. 非ria财务顾问, 比如经纪自营商, 可能只需要提供适合他们客户的建议. 这意味着他们可以提供满足客户需求的理财建议, 但这可能会给他们带来销售佣金或更高的费用.
RIA’s register with either the Securities and Exchange Commission (SEC) or state securities regulators. DecisionPoint金融, LLC在美国证券交易委员会注册. SEC regulation and oversight ensures that all representatives of DecisionPoint are serving your interests as fiduciaries. The regulators provide websites where you can research any complaints against your financial advisor. 对于RIA，你可以使用 投资顾问公开披露网站; and for Brokers governed by FINRA, you can go to BrokerCheck.
RIA必须清楚地披露任何利益冲突. DecisionPoint must be fully transparent when disclosing all fees and potential conflicts of interests to our clients.
- 你是CFP专业人士吗?
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DecisionPoint金融拥有许多注册财务规划师™专业人员. 要了解更多关于这意味着什么，以及为什么它很重要，请点击下面.
点击这里了解更多
你是CFP专业人士吗?
DecisionPoint金融拥有许多注册财务规划师™专业人员.
大多数人认为所有的理财规划师都是“合格的”，但事实并非如此. 任何人都可以称自己为“理财规划师”.” Only those who have fulfilled the certification and renewal requirements of the CFP Board can display the CFP® certification marks. 在选择理财规划师时, you need to feel confident that the person you choose to help you plan for your future is competent and ethical. The CFP® certification provides that sense of security by allowing only those who meet the following requirements the right to use the CFP® certification marks:
教育: CFP® professionals must develop their theoretical and practical financial planning knowledge by completing a comprehensive course of study at a college or university offering a financial planning curriculum approved by the CFP Board.
检查: CFP® practitioners must pass a comprehensive CFP® Certification Examination that tests their ability to apply financial planning knowledge in an integrated format. 基于对计划者所做的常规研究, 该考试涵盖了财务规划过程, 税收筹划, 员工福利和pg电子平台, 遗产规划, 投资管理及保险.
经验: CFP® professionals must have two years minimum experience in the financial planning process prior to earning the right to use the CFP® certification marks. 结果是, CFP® practitioners possess financial counseling skills in addition to financial planning knowledge.
ETHICS: 作为认证的最后一步, CFP®从业人员同意遵守严格的职业行为准则, 被称为CFP委员会的道德和职业责任准则, 这阐明了他们对公众的道德责任, 客户及雇主. 通过道德准则, CFP® practitioners agree to act fairly and diligently when providing you with financial planning advice and services, 把自己的利益放在第一位. 《pg电子平台》规定，CFP®从业人员必须诚信行事, 为您提供客观的、基于您需求的专业服务. They are required to provide you with information about their sources of compensation and conflicts of interest in writing.
正在进行认证: 一次认证, CFP® practitioners are required to maintain technical competence and fulfill ethical obligations. 每两年一次, they must complete a minimum 30 hours of continuing education to stay current with developments in the financial planning profession and better serve their clients.
- 你是收费的吗 & 你怎么拿薪水?
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Yes! DecisionPoint’s revenue is solely derived from the fees that clients pay them directly. This direct compensation is paid via an asset management fee, or a planning and consulting fee. 资产管理费按季度从管理账户中借记. 规划和咨询费通常是直接开给客户的.
如果财务顾问不是收费的, it can be challenging for them to act as true fiduciaries to their clients because they may be incentivized to sell you one financial product over another.
- 你是虚拟工作吗??
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Yes! Accessibility to us and to our team of CERTIFIED FINANCIAL PLANNER™ professionals is our highest priority. 我们的办公室位于梅萨，亚利桑那州和吉格港，华盛顿州. 我们提供的大部分财务规划都是面对面完成的, 但我们已经准备好通过Zoom等应用程序与客户进行虚拟会面. 与我们一起安排时间审查您的退休账户, 或者进行财务规划, we try very hard to accommodate your schedule and your preference for meeting virtually or in person.
- 你的投资方法是什么?
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我们对资金管理采取非常严格和战略性的方法. View the “投资管理” 选项卡，以了解更多信息.
- DecisionPoint团队的可访问性如何?
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We believe that accessibility to us is the minimum standard of a high quality client experience. 我们作为一个团队工作，以确保每个客户的需求得到迅速满足. 我们的客户有能力打电话, text, and email their dedicated advisors and client services support staff to request transactions, 问问题, 安排约会. 我们为能够及时回应这些要求而感到自豪.
- 查尔斯·施瓦布是谁?
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嘉信理财 is one of the largest financial services companies in the Untied States providing custodial and trading services to thousands of independent Registered Investment Advisory firms around the Country. 嘉信理财 and TD Ameritrade acquired TDA in 2019 and it is anticipated that the acquisition will be complete in the 4th quarter of 2023.
DecisionPoint primarily utilizes 嘉信理财 to custody all of our clients’ account assets. This is an important security feature for our clients because it means that DecisionPoint can never take physical custody of your money and your investments.
- 我在哪里存取我的帐户??
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DecisionPoint客户有两种方式来访问他们的帐户信息. 第一种是直接登录到您在 嘉信理财. 第二种方法是登录你的 DecisionPoint门户. 这两个站点都可以通过 “客户端登录”链接 在我们网站的右上角.
Your DecisionPoint Client Portal is specifically designed to provide you with historical performance data for all of your accounts. This is also where you will find all of your current and historical performance reports and our quarterly client letters
By logging in directly to your 嘉信理财 account you will be able to find transactional data, 月度报表, 税务文件.