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“Fee-Only, Independent Financial Planning for Individuals and Couples”

Frequently Asked Questions

What is fee-only financial planning?
Do you have minimum asset requirements?
What is the right age to hire a financial advisor?
How do you create an investment portfolio?
What is discretionary authority?
Must I live in northern New Hampshire to work with you?
Is hiring a financial planner important before finalizing a divorce?
How much does a comprehensive financial plan cost?
How can I get started?
What is NAPFA?
What is WREN?

What is fee-only financial planning?

A fee-only financial advisory firm does not sell any products whether it is mutual funds, insurance or annuities. Clients pay CVT Financial Planning a fee for independent, unbiased, objective advice and have the security in knowing that the recommendations they receive are in their best interest and not in the best interest of the advisor providing the advice.

Do you have minimum asset requirements?

No. Our mission is to help anyone who would like advice, regardless of their income or net worth.

What is the right age to hire a financial advisor?

Hiring a financial advisor is not dependent upon someone’s age. Anyone who would like objective advice on their financial decisions may benefit from working with a financial planner. The sooner you start planning, the sooner you might achieve your goals.

How do you create an investment portfolio?

Development of an investment portfolio must begin with a thorough understanding of the goals. Once the reasons for making the investment are understood, a portfolio will be constructed based on the client’s investment risk tolerance, timeframe and income needs. The impact of income taxes is also considered when constructing a portfolio and care is taken to try and minimize the income tax liability of a portfolio by placing higher income tax generating investments in tax sheltered accounts such as IRA’s and 401(k)’s.

Choosing the proper asset allocation (the proportion of stocks versus bonds in the portfolio) is perhaps more important than choosing the individual investments. Once the asset allocation is determined then we generally recommend a diversified mix of low cost mutual funds and exchange traded funds for our clients. Many times the mutual funds are passively managed index funds because they typically have lower costs than actively managed funds and yet they frequently perform equally or better than actively managed funds. I do not recommend frequent trading. But, monitoring the portfolio is important. Incremental changes may be recommended periodically to maintain the target asset allocation.

What is discretionary authority?

Advisors with discretionary authority have the ability to place trades on behalf of their clients. CVT Financial Planning does not have custody nor discretionary authority of client accounts so clients have absolute, 100% control of their investments at all times.

Must I live in northern New Hampshire to work with you?

No. We have clients throughout New England and beyond. While it is certainly easier and preferable to work with clients whom we have met, it isn't a requirement. We are a state registered investment advisor and are currently registered in the state of New Hampshire and the commonwealth of Massachusetts. We are not however, limited to these states and will register in other states if necessary.

Is hiring a financial planner important before finalizing a divorce?

YES! There are many decisions to be made in the divorce process and a competent financial advisor can advise you on the longer term financial ramifications of the decisions you will need to make to help ensure you will be financially secure.

How much does a comprehensive financial plan cost?

The fee varies depending upon the scope of the project. Our fee schedule is included in SEC Firm Brochure, Part 2 of Form ADV.

How can I get started?

Give us a call at (603) 837-2506 or send an e-mail to c.taradash@cvtfinancial.com and let us know what questions and concerns we may be able to help you with. There is no fee for the initial get acquainted meeting.

What is NAPFA?

NAPFA, the National Association of Personal Financial Advisors is the nation’s leading organization dedicated to the advancement of fee-only comprehensive financial planning. Professionals who become NAPFA-Registered Financial Advisors are committed to the three primary ideas of NAPFA:

  1. The belief that clients are best served by a comprehensive approach to financial planning.
  2. The highest levels of competency must be achieved and maintained.
  3. Fee-only compensation and a fiduciary relationship are vital to placing the interests of the client above all others.

Cindee Taradash has been a member of NAPFA since 2000.

What is WREN?

WREN began in 1994 with a program that supported 12 women participants in their dreams of business ownership. By the spring of 1995, these WREN pioneers were operating their own enterprises. Encouraged by the success of this pilot project, WREN began building what they refer to as the ‘WREN Community.’ Today WREN has over 800 members, more than half of whom own their own businesses, men and women living in New Hampshire and beyond, who benefit from and support WREN’s many initiatives and resources. Their work connects people with one another, offers learning opportunities, creates and supports markets for entrepreneurs and provides access to resources many couldn’t afford on their own. To learn more about WREN and their many programs, visit www.wrencommunity.org.

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