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Perhaps you’re wondering:
Some questions & answers
Some additional information about our services.
What type of advisory is GoalQuest? We are an independent, strictly Fee-Only Registered Investment Advisor that provides comprehensive financial planning based on each client’s individual needs and circumstances. Comprehensive financial planning is the detailed review and analysis of all facets of your financial situation — including cash flow analysis, retirement planning, risk management, investment management, tax management and estate planning.
Am I a person who could have a financial advisor? Am I wealthy enough? Are my finances complicated enough? We have clients of all kinds — mostly regular, everyday people who’ve done a good job saving money and have a goal of financial independence. Our clients also include high-net-worth individuals, families, trusts, nonprofit organizations, ERISA (Employee Retirement Income Security Act of 1974) plans, and privately owned businesses.
What is GoalQuest’s investment strategy? We believe no one has a crystal ball and chasing the market rarely pays off. From our experience, markets are mostly efficient and returns are more likely to be produced by asset allocation decisions than market timing or stock picking. Attempting to time the market produces, at best, a modest premium that roughly pays for the work needed to generate it. At worst, you lose much more in herd behavior and trading fees than you gain in value.
What are the risks? Investing in securities involves risk of loss that clients should be prepared to bear. Investment performance can never be predicted or guaranteed, and the value of a client’s account or portfolio holdings will fluctuate due to market conditions and other factors. One of the first conversations we have with clients is about identifying the rate of return needed to support their financial plan. Then we build an investment strategy that seeks to achieve that return with the least amount of risk necessary.
You really don’t collect commissions on the products you recommend? Though many brokers and advisors do, we don’t. We never collect commissions, trailing fees, incentive fees or transaction fees. Our only compensation comes directly from our clients. That way, we can focus solely on what’s best for them.
Can’t I do this with an AI program? Not even close. But you’re welcome to try.
For more information.
Contact us to schedule a financial consultation about your goals and dreams and how we can help you achieve them.
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