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Our Difference

"Most financial advisors begin and end with a focus on your money. We focus first on you and the FORM you want your life to take. Then we help guide you toward a life that includes what matters most to YOU."

To be able to advise you on how to use your money to achieve the life you want, we need to understand and know you.

To this end, together we will discover your life’s FORM so we can manage your wealth around what really matters to you.

Family. Who do you love and care about? Do they have any special circumstances which must be considered?
Occupation. What work do you do? What do you want to do in the future?
Recreation. How do you spend free time? Which activities and hobbies do you enjoy? What interests you?
Mission. How do you want to leave your mark on the world? What will be your legacy?

Why FORM Wealth Advisors

This is just one of the ways we’re different than other advisors. Here are a few more.

We Begin With You.

Other firms start with questionnaires to identify a risk tolerance and investment objective, then recommend investment products. We start with a blank piece of paper. We have a conversation about your life. We get to know you. Then we begin to plan your wealth around your life—not around the markets.

We Never Stop Building Relationships.

We consistently monitor what’s going on in your life—through formal reviews twice each year and through regular calls just to check in throughout the year. We make sure that the plan we have in place still makes sense. All too often advisors think they already know everything there is to know, or worse, don’t care.

We Manage Money Differently.

We help you to plan your cash flow needs 12 to 24 months in advance and then build a cash reserve account to fund those needs in advance. This avoids having to sell long-term investments in a short term down market. Other advisors liquidate assets when their client calls, not realizing the benefit of planning ahead and avoiding the need to sell when the market is down.

This is Our First and Only Career.

We chose this career, we started in 1998 and in 2016 will each have 18 years of experience. That is more than twice the experience of the average advisor (source: Payscale).

We Are Not Going to Retire in Your Retirement.

A recent industry survey reports that more than half of the 285,000 advisors practicing in 2014 are over age 55, and predicts that 100,000 of them will retire within 10 years (source: Cerulli Associates). Those advisors will not be there when you need them most—we take a team approach so that someone can always be there for you.

We Are a Small Independent Practice--Intentionally.

We only add a new client after determining there is a fit with our philosophy and value system, and that we are able to provide that client our attention without impacting our ability to serve our current clients. We are employed by –and work only for–our clients. We believe that advisors who are employed by a financial firm cannot really put their clients’ interests first. We do.

We Charge One Simple Quarterly Fee.

We do it all for you so you don’t have to bear an extra layer of costs and fees. Many financial advisors charge a fee for planning, then they charge an advisory fee on your assets, and then engage money managers who also charge a fee. We charge one simple quarterly fee for the following services.

  • Ongoing financial planning
  • Discretionary wealth management including investment selection and monitoring
  • Dedicated service
  • Cash flow simplification and cash reserve account funding
  • Investment management

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