Client Engagement Standards
Our purpose is to provide the best financial coaching possible and to build excellent long-term relationships with our clients. We believe that the secret to any successful relationship is to have clear expectations from the beginning. We ask that you read the tenets by which we operate, what you can expect from us, and what we expect from you, as our client.
Our Financial Coaching is an ongoing process involving: goal-setting, risk management, and more.
Communication is Key
Disciplined Investment Approach
Work with Great People
We align with your goals
Fees based on complexity
What You Can Expect From Us
We look at all aspects of your life to create an ongoing financial life plan that fits your goals, values, and resources, as well as maximizes your opportunities.
We assist you all along the way with the “heavy lifting” process of implementing your plan. Then we monitor your plan regularly to make certain that all parts stay relevant and updated.
We keep all your information confidential, safe and secure. Our client portal and office systems employ advanced security features and protocols to protect your data. With your written authorization, we share information only as needed with attorneys, accountants, and other professionals with whom you may be working, in order to effect services, quote coverage, or review accounting, insurance, and/or legal service options.
We strive to return all phone calls within one working day and emails within two working days. We will inform you of any short-term deviations from this policy.
We have regular meetings to keep you up to date with your plan. We review each of the following at least once a year:
- Insurance and risk management
- Investments and your investment policy
- Estate planning and asset protection
- Goal planning and projections, tax planning and cash flow planning
- In addition, we address any issues of concern to you throughout the year.
We are highly flexible in both the timing of when we are available and methods of communication to make meeting participation convenient for you.
We will direct you to the best and widest range of investments that fit our investment philosophy at the best possible cost.
We commit to always doing our best on your behalf. We are proud to serve in a fiduciary capacity for you. We love what we do and take pride in doing the best job possible.
We are compensated by client fees only. Our fees are fully disclosed to you and we do not accept any commissions or referral fees.
What We Expect From You
A willingness to participate in the Financial Coaching process as described above on a continuing basis. You understand that each part of the process is interdependent and requires information or participation from me.
A willingness to delegate the implementation and monitoring of your plan to Waller Financial Coaching, Inc. You are hiring Waller Financial Coaching to help you enjoy life more fully, and part of this process is to allow us to do what we do best.
Respond to emails and phone calls within a reasonable period of time. Many financial planning issues are time sensitive, most especially tax items.
Agree to provide requested data and documents in a timely fashion.
Agree to receive documents electronically either via e-mail or the Client Portal.
An understanding that Waller Financial Coaching, Inc. only accepts clients that agree with their investment philosophy. Diversification is the key to sound investing, and we want to work with clients that appreciate this approach, as opposed to clients who want to follow the “herd” mentality of the latest “hot” investment.
An understanding that Waller Financial Coaching, Inc. will only provide advice on investments selected through their research. We pay for and utilize a large number of investment research sources. It is not time or cost-effective for us to investigate investments that do not fit our investment philosophy.
An understanding that Waller Financial Coaching, Inc. keeps flexible hours for clients as well as for staff. Our standard hours of availability are 9-2 Monday through Thursday. We have reduced availability in the summer months (June through August). Deviations from the normal schedule are communicated via email response and/or through outgoing voicemail message.
An understanding that Waller Financial Coaching, Inc. is primarily a virtual office. There is not an opportunity to “drop by” or check in without a scheduled conversation. We are happy to get together for a cup of coffee or a pint as needed.
An understanding that Waller Financial Coaching, Inc. takes full responsibility for their errors. You agree to make us aware of errors as soon as they are discovered. We do our best to minimize errors and correct all errors to the best of our ability to make you whole.
Agreement that our relationship needs to be reevaluated if we ever stop enjoying or respecting one another. We are committed to living our lives from a place of joy and kindness, and hope to have long-lasting, healthy relationships with all of our clients.
An understanding that Waller Financial Coaching will often, but not always record client conversations. WFC does this so the representatives can be more present in the conversations with each client and refer back to the recordings as needed. You are welcome to receive copies of all your recordings at your request.
An understanding that management fees are due on a quarterly basis and are deducted from my account or paid directly by me. Waller Financial Coaching, Inc. reviews client fees at the end of every even year (2014, 2016, etc.).