Frequently Asked Questions 

• What do I get from these services?

  It’s a way of answering your big money questions like do I have enough money for my kids college? Do I have enough money to retire? How many vacations can I go on per year? Then explaining what and how you will need to move your money so you will have the freedom to do what you want, when you want with less worry and more security.  

• How do payments work?

  Payments can be made via credit card or ACH for Ongoing financial advice and planning. For Wealth Management Services, payments can be debited out of your accounts held at Charles Schwab or can be paid via ACH or Credit Card. We take a holistic approach, covering areas like:

• What's included in ongoing financial advice and planning services

  We take a holistic approach, covering areas like:

  • Investment Planning: Goal setting, asset allocation, risk management. Stocks & Bond fund analysis.  
  • Retirement Planning: Evaluate Roth conversions, estimating needs, maximizing Social Security, managing withdrawals.
  • Estate Planning: Wills, trusts, and legacy planning.
  • Tax Planning: Strategies to minimize your tax burden.
  • Insurance Planning: Protecting your assets and loved ones.
  • Education Planning: Saving for college.
  • Debt Management: Strategies for paying down debt.
• How do you determine the cost for our services?

  Our services can be customized to be as narrow or as comprehensive as the client’s desires. Clients may choose to engage the firm in financial advice and planning or wealth management. 

  The key defining aspect is the comprehensive financial planning process, all questions, information, and analysis will be considered as they affect and are affected by the entire financial and life situation of tour clients. 

  Clients will receive a written or an electronic report, providing them with a detailed financial plan designed to achieve his or her stated financial goals and objectives which dictates our recommendations and investment management decisions.

  *Complexity such the number of rental properties, business owners and the amount of assets may change price. After your complimentary meeting you will receive a detailed quote*

• What is the family tree option?

  Becoming your family’s advisor at Mountaintop Wealth, they may qualify for discounted pricing compared to using separate providers. Benefits include: 

  Building Generational Wealth:

  • Strategic Investing: By carefully managing and growing the family’s assets, the firm helps build wealth that can be passed down to future generations. This can create a legacy of financial security and opportunity for children, grandchildren, and beyond.

  • Open Communication: The financial planning process encourages open communication about money within the family.
  • Shared Goals: Working together towards common financial goals can create a sense of unity and shared purpose.
  • For Spouses and Partners: Both partners are involved in the financial planning process, leading to shared understanding and informed decision-making.
  • For Children: The firm can provide financial literacy education for children, empowering them to make smart financial choices as they grow.
  • For Aging Parents: We can assist with elder care planning, ensuring the family’s patriarchs and matriarchs are well-cared for.
• Who is this service best for?

  This is perfect for those who:

  • Working people:   Busy working but need some help from time to time? Let us lighten the load.  
  • Enjoy DIY investing: You like managing your own investments but want expert guidance to ensure you’re on the right track.
  • Are navigating life changes: Starting a family, changing careers, or approaching retirement? We’ll help you navigate the financial implications.
  • Want financial clarity and confidence: We’ll empower you to understand your finances and make informed decisions.
• How does this service work?

  We will work together to answer the financial questions you care about. The quoted amount may vary depending on how much you need done. You will receive a quoted amount and billing options based on your household’s financial situation before the relationship starts. This ensures transparency and predictability.

  Once we have agreed to work together, we’ll:

  • Gather information: We’ll have in-depth conversations to understand your financial situation, goals, and values.
  • Analyze your finances: We’ll review your account statements, income, expenses, assets, and liabilities.
  • Develop a personalized plan: We’ll create a roadmap with actionable steps to achieve your goals.
  • Ongoing financial education and support:  After you receive your advice and your completed financial plan, you’ll be available to ask follow- up questions related to your financial plan.