Frequently Asked Questions

Weath advisors can help create a plan that not only focuses on present day items such as investment management, tax planning, business planning, and risk management, but also future considerations such as estate planning, charitable planning, and retirement planning.

Financial advisors work to understand your unique situation and create recommendations centered around financial planning and investments to optimize your life and help you achieve your short and long-term goals.

Financial planners focus more on creating plans to address short and long-term goals. These plans can be comprehensive and include areas such as retirement planning, investment management, tax planning, and risk management. Financial advisors may include these services, as well as focus on managing portfolios and investments.

Consider asking your financial planner how they get paid and if they are a fiduciary. Then meet with them to discuss their service options and learn whether they meet your needs. Lastly, pick a planner you get along with and trust. You will be working with them to make big life decisions!

Retirement is a massive life change and mindset shift. When you go from accumulating assets to distributing assets to provide for your lifestyle, it is best to consult with a professional to help you make prudent decisions. A financial advisor will help you create an asset allocation to help you achieve your goals, so you don’t have to worry during retirement. They can also provide strategies on how to distribute from your accounts in the most tax-efficient way to meet your goals.

• Financial advisors meet with you to understand your current situation and goals.
• They analyze your assets, income, and expenses, and make recommendations to optimize your finances today while also creating a plan to help achieve your goals later in life. These goals can include college planning, retirement planning, investments, tax optimization, insurance, estate planning, business planning, and more.
• Equally as important, they are someone you can call whenever financial situations arise in your life. They are there to support you in the ups and downs, and if they don’t have an immediate answer to your question they are well connected and can find someone who can.

A CERTIFIED FINANCIAL PLANNER™ professional has had extensive training in investments, tax planning, retirement planning, risk management (insurance), estate planning, and more while adhering to the CFP Board’s ethical standards and meeting certain experience requirements. They are held to a fiduciary standard for their clients and make recommendations based on a client’s entire financial life, not just investment recommendations.

Having a fiduciary responsibility means you are legally required to put a client’s interests ahead of your own and make the best recommendation for their situation. Unlike the fiduciary responsibility, the suitability standard means you only have to make a recommendation that is suitable for a client’s situation – not necessarily the best. CFP® professionals are held to a fiduciary responsibility.

At TCG, we have created a service model to give you the best client experience throughout your whole time with us. You will have a dedicated wealth advisor as your primary contact and won’t have to call an 800 number. Additionally, you will have a dedicated service team to help you with filling out any forms or other documents we may need from you.
We also have solutions for tax, estate planning, and legal professionals to consult you on all areas of your financial life, along with your Wealth Advisor. Our goal is to have a one-stop shop for all of your financial needs in your life. If you already have existing relationships, we also work with other professionals outside of TCG.
Lastly, we take pride in having meaningful relationships with all of our clients. We are fiduciaries. We want to be the first person you call when you have concerns or exciting news.