AG Wealth Advisors – Frequently Asked Questions

Do I have to come into an office to work with you?
No. I work with clients across the U.S. using Zoom, phone, and secure technology. This makes financial planning, tax planning, and retirement planning and rollovers simple and convenient.

Do you offer a complimentary consultation?
Yes. I offer a no-cost consultation to review your current situation and identify opportunities around investments, tax planning, and retirement.

What happens in the first meeting?
We focus on your goals, concerns, and overall financial picture. You’ll also get a clear understanding of how I approach financial planning and what next steps look like.

Who do you typically work with?
I work with individuals, families, retirees, business owners, and professionals. Each client is evaluated based on their goals, complexity, and need for tax planning, retirement planning, or investment guidance.

Do you only work with wealthy clients?
Not exclusively. If you’re serious about improving your financial future and building a plan, it’s worth having a conversation.

Do you work with RSUs or stock compensation?
Yes. I help clients manage RSUs, stock options, and concentrated positions with a focus on tax efficiency and long-term planning.

What does a financial plan include?
A comprehensive financial plan includes retirement planning, tax planning strategies, investment management, cash flow analysis, and risk management, tailored to your situation.

What makes your approach different?
I focus on tax-aware, goal-based financial planning. Investments, taxes, and retirement income are all coordinated to improve your overall outcome.

Do you only manage investments?
No. Investment management is one piece. I provide full financial planning, including retirement income strategies, tax planning, along with life, disability, and long-term insurance and guidance on employer benefits like RSUs.

How do you choose investments?
Investments are selected based on your goals, risk tolerance, and tax situation, not trends. Every recommendation supports your broader financial plan.

What is your investment philosophy?
We live in a complex economic, geopolitical environment. I use diversification, tax efficiency, cost control, and long-term discipline. I don’t chase hot tips or short-term trades.

Do you sell proprietary products?
No. I’m independent and product-agnostic, focused solely on what’s best for you.

How do you get paid?
I offer fee-based investment management and flat-fee financial planning. Fees depend on the complexity of your financial, tax, and retirement planning needs.

Are your fees transparent?
Yes. You’ll always know what you’re paying and what you’re receiving before moving forward.

Where are my assets held?
Your accounts are held with LPL Financial, a broker/dealer and investment advisor registered with the U.S. Securities and Exchange Commission (SEC*). LPL Financial is primarily regulated by the Financial Industry Regulatory Authority (FINRA) as well as various other self-regulatory organizations.

Do you have access to my money?
No. I manage your investments as a fiduciary, but I do not custody your funds. You’ll receive statements directly from the custodian, LPL Financial.

How often will we meet?
At least once a year with a full annual review. Additional meetings are always available as your life or financial situation changes.

How do I keep track of everything?
You’ll have access to a secure portal, regular performance reports, and ongoing communication so you always know where you stand.

Do you work with my CPA or attorney?
Yes. I collaborate with CPAs and estate attorneys to align your financial plan. I can also provide referrals if needed.

Can you help reduce taxes?
Yes. Tax planning is a core part of the process—identifying strategies around retirement income, Roth conversions, and RSUs to improve long-term results.

Why should I work with you?
As a fiduciary with 20+ years of experience across corporate and entrepreneurial environments, I bring a practical, real-world approach to financial planning, tax strategy, and retirement decisions.

When should I start planning?
The sooner, the better. Delaying tax planning or retirement planning can reduce opportunities and increase future costs.

What’s the next step?
Schedule a complimentary consultation and get a second opinion on your financial plan, tax strategy, or investments.

*Registration with the SEC does not imply a certain level of skill or training.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.