FREQUENT QUESTIONS

1. Like a doctor, a lawyer, or an engineer, your personal financial advisor is a trained professional, whose specialized knowledge and experience can help make investing less challenging and more rewarding. It is your financial professional's business to get to know who you are and what you want to achieve with your investments. Working together, you and your investment professional will define your goals, your tolerance for risk, and your long-term needs, and then create a program of investments designed to help you achieve your goals.
2. Our lives today have become so complicated and busy that at the very least the collaboration of a financial advisor can free us up to do more of the things we prefer to do.
3. For the same reason that athletes need coaches and celebrities need business managers; advisors add their information and knowledge to ours to help us practice more self-discipline.
4. To keep up-to-date on the growing number of factors that affect (or should affect) our personal financial decisions (taxes, economy, etc., etc.,).
5. To help us do the things that we already know we should do (like making out a will) and not do the things that we know we shouldn't do (like living beyond our income).
6. To keep us from paying any more taxes than we have to. To maximize return and minimize risk. To make the most of what we have. To make sure our money works as hard as we do.

1. Using generally accepted accounting principals they will evaluate your financial position.
2. Using their counseling skills they will assist you in defining and or clarifying your goals and objectives.
3. Using appropriate financial tools they will analyze your financial position (assets, liabilities, income and expenses) and determine the feasibility of reaching your goals.
4. Develop strategic, comprehensive strategies based on your goals and objectives.
5. Coordinate the implementation of your financial planning utilizing specialized knowledge of innovative financial products and/or other professional advisors.
6. He will meet with you on a periodic basis to review and revise your planning strategies.
7. Takes the time to understand you and your goals. A financial advisor learns who you are, where you are with your financial program and where you want to go.
8. Is with you every step of the way. Whenever your objectives, job, family or other circumstances change, your financial advisor is there to help.
9. An advisor can monitor your progress and keep track of all paperwork. Your financial advisor can save you time and effort, while providing a level of expertise difficult to match on your own.

They do not plan to fail – they just fail to plan!

1. They do not have a written game plan.
2. They do not understand investment fundamentals.
3. They own too many securities.
4. They try to time the market.
5. They ignore prudent tax planning measures.
6. They give in to high pressure sales people.
7. They overtrade their portfolio.
8. They neglect US Treasuries.
9. They ignore dividends.
10. They take greater risk to boost yields.
11. They over insure or under insure.
12. They do not have an estate plan.

• Your advisor is not part of a team.
• Your advisor is not responsive to your needs.
• Your advisor does not
  • have advanced professional designations.
  • offer comprehensive wealth management services.
  • have a clear and consistent investment strategy.
  • offer full unencumbered securities market access.
  • offer objective advice.
  • integrate your employee benefits into your planning.
  • disclose the way they are paid.
  • put planning before product.
  • work closely with other professionals.
  • acknowledge their fiduciary status.
  • offer a flexible menu of services.
  • discuss the rate of return on your money.
• They are commission based.
• Your advisor’s interests are not aligned with yours.
• You do not see your Net Worth growing.
• You don’t know if the advisor’s making money or you are.

• We will make sure
  • Your assets are properly positioned to reduce estate taxes.
  • Your savings and investments are positioned for the best pre-tax and after-tax return.
  • Your savings rate is sufficient to produce a comfortable retirement income.
  • You do not outlive your retirement capital.
  • Your investment allocation reflects your tolerance for risk.
  • You are properly diversified.
  • Your financial planning takes into consideration your employee benefits.
  • You know how much to save to reach your financial goals.
  • You have calculated the effects of inflation on your savings and investments.
  • You know what kinds of tax-advantaged investments are best suited to your needs.
  • You have considered the right mechanisms to protect your family in the event of death, disability or long term care.
  • You have considered the right mechanisms to protect your family in the event of a law suit.
• We will meet with you on a regular basis to review your portfolio and investment objectives.

PERSONAL SERVICE

• Accountability for results
• Multi-disciplinary approach to planning and analysis
• Wall Street access with Main Street values
• Outstanding service support due to ratio of dedicated staff to clients

INDEPENDENCE

• We are independently registered investment advisor
• Objective research resources
• Objective financial counsel

REPUTATION

• Member of the Financial Planning Association for 20 years
• Committed to high standards of quality and integrity
• Committed to high standards of professional ethics
• Main Street access with Wall Street resources

Because we understand that your selection of a financial advisor is important, we offer you the opportunity to come in and ask us questions to determine if Atlantic Capital Management can meet your needs. We look forward to meeting you!