Our Process
1. Get Acquainted Call
Upon initial contact, our friendly staff will schedule a brief "get acquainted" call with Elizabeth Barrett, MA, CFP®, AIF®, which allows us to determine whether or not we are a “fit” for each other. If both parties agree, a financial overview meeting is scheduled.
This is an overview of a client’s financial situation in which the client will receive an overall review (including a net worth summary) with basic recommendations for improvement. The recommendations will be presented in a two-hour meeting with Elizabeth Barrett, MA, CFP®, AIF®. The fee for a Financial Overview is $1200. A $100 discount will be applied for family members of current clients or for referral by a current client. A $200 discount will be applied to children of current clients.
If a client would like to retain our services on a continual basis, the client and Sterling Wealth Advisor will enter into a full retainer agreement.
3. Financial Planning and Investment Advisory Open Retainer
This provides ongoing, financial planning and investment advisory services. During the first year, we start by completing a financial plan, which includes goal setting, cash-flow analysis, insurance review, investment planning, tax planning, retirement planning, and estate planning. All relevant financial issues are discussed, such as college funding, long-term care insurance, consolidating investment accounts, etc. During the second year and beyond, there are typically one-to-three meetings with Elizabeth to review your plan and make any changes necessary.
This open retainer includes extensive, open-ended service for any financial matters that may arise during the year. As a retainer client, you may call upon us at any time during our relationship. Monitoring of investment accounts with the institutional branch of Charles Schwab is also included. Fees are based upon the complexity of the client’s financial situation and the investment assets under management. The annual fee covers all meetings, phone calls, and other communication. This is an open-ended agreement that the client may terminate at any time by providing written notice to Sterling Wealth Advisors.
See our Fees and Minimums page for details.
Our Promise to You
The SWA team will provide you with the highest standard of financial leadership to assist you in reaching your life goals. We measure our success by your satisfaction with the quality of service we provide. Our only goal is helping you reach yours.™
