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Wealth Management

Frequently Asked Questions

  1. How does an investment policy help me?
  2. Do you have a minimum requirement in accepting new clients?
  3. Why do you stress the independent nature of your firm?
  4. Do you offer investment management services?
  5. How are you compensated?
  6. Once a financial plan is created, does the relationship end?
  7. How often do we meet?
  8. How often will I receive statements on my accounts?
  9. Do you prepare wills and trusts ?
  10. Where are accounts held?
  11. Who is LPL Financial?
  12. Do you prepare income tax returns?


1. How does an investment policy help me?
Your portfolio can be an emotional roller coaster as markets are unpredictable and often volatile in the short-term.

We will work with you to develop a formal Investment Policy when times are calm and heads are clear.  This policy outlines a long-term strategy that addresses your tolerance for risk, as well as the long-term objectives for your portfolio.

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2. Do you have a minimum requirement in accepting new clients?
While we do not have an established minimum for new clients, we believe the benefits of a comprehensive planning relationship are typically best realized by those who have, or will soon have, $500,000 or more in managed account assets.

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3. Why do you stress the independent nature of your firm?
Future Benefits is a privately held firm responsible only to our clients. Many banks and brokerage firms offering financial services also develop their own investment products that are presented to their clients.  We do not.  We have the flexibility to offer an array of products and services in an objective environment.  We believe this is an important distinction between our firm and other advisors.

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4. Do you offer investment management services?
Yes, we supervise portfolios consisting of all forms of investments and separately managed accounts through LPL Financial.
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5. How are you compensated?
Services are offered on a fee or commission-structured basis, depending on your needs and the most cost-effective means of addressing your objectives.

COMPREHENSIVE FINANCIAL PLANNING
Comprehensive plans are developed by Future Benefits Planning Corporation for a fixed planning fee of $1,500 to $8,000 or more, depending on the complexity of your situation.

A minimum annual fee of $1,500 for ongoing planning services may be offset on the basis of investment management fees on accounts with assets over $500,000.

INVESTMENT AND INSURANCE PROGRAMS
At the election of the client, portfolio management services are offered through fee-based accounts or commission based programs.  Larger accounts will generally benefit from the additional flexibility found in a fee-based program. Fees for services are deducted from these accounts on a quarterly basis. (Fee-based services are offered through LPL Financial, a Registered Investment Advisor/Member FINRA/SIPC. Additional transaction costs may be incurred.)

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6. Once a financial plan is created, does the relationship end?
Not at all! Financial planning is an ongoing process, not an event. Our clients generally prefer the active role we play through implementing their plan — particularly through our investment management services. We also initiate regularly scheduled updates on financial issues that may affect them.

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7. How often do we meet?
Depending on the complexity of your situation, meetings are scheduled on a quarterly, semi-annual or annual basis. There is no extra charge for update meetings.

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8. How often will I receive statements on my accounts?
Statements are typically generated and delivered by your account's custodian each month and/or quarter in which there is account activity.

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9. Do you prepare wills and trusts?
No. We assist you in developing the strategy most appropriate for your situation and join you in a discussion with your own attorney, or we are pleased to recommend one of several attorneys whose work we have confidence in.

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10. Where are accounts held?
Accounts are held in accounts at LPL Financial or directly at the mutual fund or insurance company sponsoring the investment.

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11. Who is LPL Financial?
LPL Financial is one of the nation's leading financial services companies and a publicly traded company on the NASDAQ under ticker symbol LPLA. The firm’s mission is rooted in the belief that objective financial guidance is a fundamental need for everyone. LPL does not offer proprietary investment products or engage in investment banking activities; this means advisors affiliated with LPL are not pressured or influenced by LPL to sell its products. Thousands of financial advisors nationwide are able to rely on the firm’s tools and resources to help them provide financial guidance and recommendations to help meet their clients’ needs. For more information about LPL Financial, visit www.lpl.com.

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12. Do you prepare income tax returns?
No. We do, however, review the returns prepared by your tax advisor and discuss issues that may benefit your financial situation.


            



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