Frequently Asked Questions

Current Clients

1. How do I establish online access to my accounts?
   We are happy to setup online access to your accounts for you, at your request. If you would like us to do so, please contact my office.
2. Once access is established, how do I access my accounts online?
   Click here for instructions on accessing your accounts online.
3. I've forgotten or lost my userid and/or password. What do I do?
   Please contact my office and we will be happy to reset your password or provide you with your userid.
4. Can I get statements online instead of the mail?
   Absolutely. Assuming you have setup online account access, your account statements are always available for you to view online by clicking the Accounts tab, and then the Account Documents tab under that. If, at any point in time, you decide you would like to discontinue receiving paper statements in the mail, please let us know and we can have them discontinued.
5. Is there a way to turn off the prospectuses and shareholder communications I receive from mutual fund or stock companies?
   Yes. If you would no longer like to receive this information, please let us know and we can do this for you.

Prospective Clients

1. Do you work on fees or commissions?
   For investment management services, we work on a FEE ONLY basis. This means that our fees are fully transparent and come directly from you, the client, and not from any outside third party thus reducing or eliminating any potential conflict of interest. For insurance offerings (mostly term life insurance and/or long term care insurance, we may receive a commisson if the policy is placed through any of the many insurance companies we can work with.
2. How can I check up on you?
   Here's a list of resources, organizations and websites you can contact to check up on us or any potential advisor. I'm also happy to provide client and professional references if that would be helpful.
3. When I invest with you, who is actually holding my money?
   We do not actually take custody of any client funds, and are prohibited from doing so. Most client assets are custodied with our primary custodian, TD Ameritrade Institutional, although for some specific types of investments or accounts, we may use other custodians. In most cases, though, assets are custodied through TD Ameritrade Institutional.
4. Where do you meet with clients?
   At my office, which is in Greenwood Village, Colorado. Click here for a map and directions.
5. I don't live in Colorado. Can I still work with you?
   Probably. I have clients in 22 states, and am generally willing to work with prospective clients in other states as they are are referred.
6. Can I get a copy of your disclosure brochure (Form ADV)?
   Yes. Click here.
7. What is your overall investment philosophy?
   Click here for a full discussion of this question.