Selecting the right financial advisor for you and your family is the single most important decision you will ever make for your financial future. That's because your advisor will influence or control all of your financial decisions. The quality and objectivity of the advice you receive will determine your standard of living during retirement and your financial security late in life when you need it the most.
Below, you'll find eight key differences between our firm and its competitors, and eight good reasons why Winer Wealth Management, Inc. should be your financial advisor.
1. We're independent, locally-owned and operated.
We are an independent, locally owned firm with no ties to any large, faceless corporation. There is no bureaucracy, no investment banking, no proprietary financial products—just experienced professionals dedicated to providing intelligent, innovative solutions to satisfy your financial needs and concerns.
2. We're your financial advocate.
We work exclusively for you. Not for a brokerage house, not for an insurance company, not for a bank. Our independence gives us the ability to recommend whatever financial products, services and strategies we believe will best meet your individual needs and objectives.
3. We're dedicated to upholding our fiduciary responsibility to you.
As a Registered Investment Advisor, we have a fiduciary responsibility to act in your best interest at all times and to disclose all conflicts of interest before we provide you investment advice. While anyone can call themselves a "financial advisor," not all financial advisors are held to a fiduciary standard. Stockbrokers, bankers, insurance agents and other financial advisors who are not a Registered Investment Advisor are NOT held to a fiduciary standard, not required to put your interests ahead of their own and not required to disclose conflicts of interest unless you ask. SEC regulations now require stockbrokers and insurance agents who are not Registered Investment Advisors to disclose that they are paid to sell you financial products and that their interests and yours may not be the same. Recent fines and lawsuits against a number of major brokerage firms and insurance companies underscore the important difference between Fiduciary Advisors and Sales Representatives.
4. You work directly with the firm's owner, president and CEO.
At Winer Wealth Management, your financial advisor is the firm's owner, president and CEO, not an employee. As an owner, he has a vested interest in making sure that Winer Wealth Management, Inc. meets all of your financial needs and exceeds your expectations. At most banks and brokerage firms, their advisors move around so much that you never know whether or not your financial advisor will be at the same firm (or in the same business) 12 months from today. We're here for you today and we'll be here for you tomorrow.
5. We do comprehensive financial planning.
Fewer than 10% of all financial advisors assist their clients with all aspects of their financial affairs including risk and liability management, estate, retirement and tax planning and investment management. Most focus solely on investments. In collaboration with our team of experienced CPAs, estate planning attorneys and insurance specialists, our planning services encompass all aspects of your financial affairs.
6. We can help you avoid costly mistakes and oversights.
We believe that it's better to avoid financial mistakes than to have to fix them, and we can help you do both. However, it takes knowledge, expertise and a laser-like attention to detail. Our firm is known for our success in identifying and correcting critical financial mistakes and oversights and for having saved clients a fortune in taxes. In 2005, our president and CEO, Rich Winer, was mentioned in The Wall Street Journal for identifying an oversight by two CPAs and saving the beneficiaries of an inherited IRA more than $700,000 in taxes. In 2006, he was featured in Financial Planning Magazine's Career Advisor.
7. Our size enables us to maintain close, personal, long-lasting client relationships.
Our firm is dedicated to providing you a level of comfort, communication and proactive, personalized service that only a small, independent firm like Winer Wealth Management, Inc. can provide. When you become a client, you'll become part of the Winer Wealth Management family. You'll feel confident and secure knowing that we're managing your financial resources and looking after your personal and financial well-being in the same prudent manner as for ourselves and our families.
We pride ourselves on having an intimate knowledge and understanding of each client's financial situation, goals, needs and personal values, as well as an "up to the minute" knowledge of their investment holdings and progress toward meeting their goals. Our close relationships with our clients have been critical to our success in guiding our clients through the current volatile, uncertain economic and market environment. Since the market peak in October 2007, we've been in close communication with each client to ensure their comfort and security. We provide weekly market commentaries, a monthly newsletter and daily market updates on days when the stock market has been especially volatile. We have also called our clients regularly to keep them informed and address their questions and concerns.
Like all bear markets, the current one has put our relationships with our clients to the test, brought us closer and created an even greater bond between our clients and our firm. On days when the stock market has been especially volatile, we've been touched by the number of clients who've called our office just to ask how we are doing, how we're holding up. We've also received calls and emails from clients to say "Thank you for all that you do for us." Nothing is more flattering and rewarding than to know that our clients appreciate what we do for them.
When we say that our clients are like family, we really mean it!
8. We put our money where our mouth is!
Perhaps the one thing that gives our clients the highest level of confidence in our investment and financial planning recommendations is the fact that "We eat our own cooking." We invest our own personal money in every investment that we might recommend to you. We own the same types and amounts of insurance that we might recommend to you and we have wills and trusts that are up to date and in order. We'll never recommend to you any investment in which we have anything less than the highest confidence and in which we have not invested our own money. We'll also never recommend any financial product or plan that we would not use or implement ourselves, and which is anything less than the best and most appropriate solution for your individual needs and objectives.
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