Understanding Your Need – The Client Questionnaire
Before we begin preparing a financial plan or implementing a plan, we first need to learn about your goals and objectives. To obtain those goals we gather financial, investment and personal information using a Client Questionnaire. This questionnaire will serve as the foundation for an initial discussion with the Advisor.
Proposal Stage – What we will do for you
From the information we gather we will develop an investment strategy or financial plan based on your unique goals and objectives. We will review the plan with the client to ensure that we go over every aspect of the clients financial needs.
Account Set up – We handle all paperwork for you
Your investment accounts will be opened through our broker/dealer. Harry Toro and Associates does not take custody of client assets. We simply advise on your accounts, place trades and request changes on your behalf.
Account Transfers – How this works
If you have other accounts at other banks or custodians, we are happily willing to help you transfer your accounts. These accounts will become a part of you comprehensive investment plan. Your 401K plan at your current employer may remain at current custodian but will become part of the overall investment strategy. All account transfers will be done taking into consideration tax consequences. You will be informed of all fees and costs prior to transferring any account.
Trading – According to a mutually agreed upon strategy
As your Advisor we will begin implementing your new investment strategy. All the information we gathered from our initial meeting will be translated into an actual investment plan, also known as an Investment Policy Statement, that will include the types of investments you’ll own and in what types of accounts.