FAQs
Emerald Legacy Advisors
FAQs
The best time to invest was 20 years ago, but the second-best time to invest is today! Time is your greatest asset when you invest. Rather than attempting to time the market, the most effective strategy is early, consistent, and long-term investing.
A financial advisor helps you create a roadmap for your financial life and goals. They can offer access to resources and research as well as provide expertise in investing, retirement, and legacy planning. They are valuable for navigating major life changes, reducing emotional decision-making, and managing your complete financial picture.
Nothing. The purpose of our first meeting will simply be to see if we are a good fit and to get a good idea of your goals in hiring a financial advisor. From there, we will develop an investment plan while maintaining transparency along the way regarding process, next steps, and cost.
Unlike some financial practices, we’re not fee-only advisors. A transactional fee structure might be more cost efficient for you in the long-term. This can all be determined throughout our individualized financial planning process and tailored to each client, but we will maintain fee transparency every step of the way.
There is no account minimum to get started, but there are certain factors to consider when opening a new account, like annual account fees, do you already have an emergency savings, and how much are you contributing to employer retirement plans?
Yes, we act as fiduciaries to our advisory clients. That means we’re legally and ethically required to always put your best interests first.
Anything you think is relevant! If we want more details related to any of your assets or liabilities, we will ask you to provide additional information in subsequent meetings.
As frequently or infrequently as you want, but we would prefer to meet with you at least annually to ensure your financial plan is still on track with your goals. We understand life gets busy, but your relationship with your financial advisor should be collaborative. The purpose of annual or regular meetings is also to determine and document if your goals have changed – we unfortunately know better than anyone that life rarely follows the path we expect.
Absolutely! Bring anyone you trust. Just make sure their opinion doesn’t overshadow your own goals, and we’ll be fine. As a multigenerational financial practice ourselves, we also specialize in hosting multigenerational meetings for clients that want to begin discussing their finances with the next generation but don’t know where to start.
Absolutely! We have clients all over the country and are accustomed to meeting with them virtually.
- LPL Financial provides a 100% cyber fraud guarantee to protect your assets.
*LPL will reimburse you for 100% of realized losses in your impacted LPL accounts, which were incurred directly as a result of unauthorized access to an LPL system. Please visit: go.lpl.com/cyber-fraud.html for terms and obligations. Some advisors might give you the “$1 million dollars” magic answer. We might sound like we’re trying to dodge this question when we say the truth is: it depends on a number of factors, mainly your lifestyle, location, and retirement age. We can help you determine your “magic number” by developing a retirement income plan unique to you and your situation.
Please see our services / who we serve page to see if one of those categories resonates with you. However, each client relationship is unique; we don’t exclusively serve one demographic. So if you don’t fall into one of those categories, don’t worry! We can still meet for a complimentary initial consultation to see if we’ll be a good fit for each other.