Who is your ideal/typical client?
This question is best answered not by the size of your portfolio but rather by the range of services you desire. Our services are best suited for individuals who have come to believe that the complexity of their investments has outpaced their abilities or those no longer well served by the sales relationships often found in the brokerage industry. Investors often find themselves in these situations as they approach retirement and begin to worry about generating their retirement income. Others feel overwhelmed after coming into a large sum of money such as an inheritance or business sale. Some investors, after saving consistently over the years, realize their assets have accumulated past the point at which they feel they have the expertise or time to manage their money.

I'm interested. What is the next step?
First we will set up an initial meeting in order to introduce ourselves and begin to get to know each other. Once you make the decision to partner with our firm, we will focus on identifying your goals and time horizon, assessing your risk tolerance, and collecting other information crucial to putting together a customized financial plan. Simultaneously, we will assist you in opening accounts with Charles Schwab and transferring your existing securities to your new account. We respect that you are busy and make the setup process as simple as possible for you.

Are you a Registered Investment Advisor?
Yes, The Alder Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission. We are subject to federal securities regulations and to periodic inspections by the SEC. Unlike the brokerage industry, we are held to a fiduciary standard which means we always act in our clients' best interest at all times.

How can I be sure my assets are safe?
In this day and age, many investors have become wary about the safety of their assets. We can appreciate this and have put checks and balances in place to protect our clients. As Registered Investment Advisors, our firm never takes possession of your assets. We have the authority to place trades in your accounts but cannot access your funds. We partner with Charles Schwab and Co., a highly reputable custodian, for the safekeeping and protection of your assets. You will receive trade confirmations and monthly statements directly from Schwab so you can independently verify account activity. Additionally, you can always access your accounts through Schwab's website.

How are you compensated?
We are only compensated by our clients. We have no financial relationships with any other firms nor are we compensated by the securities we recommend. Our investment management fees are either based on the size of the portfolio we are managing or a flat monthly fee. This fee includes all of our services and there are no hidden fees.

Are there any restrictions on my account?
No, these are your accounts. You have direct access to them at any time. The securities that we purchase are publicly traded and can be easily liquidated or transferred to another brokerage firm. You are not locked into any sort of long term contract with us. Additionally, you can link your Schwab accounts to your bank checking account thereby giving you electronic access to the cash at Schwab.

Can you tell me more about your free, no-obligation portfolio consultation?
Oftentimes people wonder if their assets are property invested, but don't know who to turn to for an unbiased second opinion. We now offer a free portfolio review to anyone interested in getting a professional opinion but not necessarily ready to commit to a relationship with an investment advisor. We ask that you fill out a brief questionnaire to provide us with some basic information regarding your current investments. With this we can give you some general observations and recommendations regarding your current situation.

Why the name Alder?
The Alder tree is native to North America and best known for its ability to grow in difficult environments. We find its ability to thrive symbolizes wise investing in challenging economic environments.

What is your contact information?
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