1. HOW DO WE GET STARTED?
Contact the office at (818) 557-7289 to schedule an initial meeting or e-mail me at tshaner@capitalconsultants.org. Select the DOWNLOADS button to download our "Client Review" questionnaire to complete in preparation for our meeting.
2. WHO IS YOUR "TYPICAL" CLIENT?
A typical client is an individual who is looking for a long-term relationship with a financial professional.
3. WHAT TYPES OF PEOPLE DO YOU WORK WITH?
I work with individuals, businesses and organizations of all types. Our main criteria are:
a. That they are serious about improving their financial situation.
b. That we work together well, and the chemistry is right.
4. DO YOU HAVE DOLLAR MINIMUMS?
Generally, yes. For asset management there is a recommended $50,000 minimum.
5. DO YOU OFFER ON-LINE ACCOUNT ACCESS?
Yes, through this website, my clients can access their accounts on a daily basis to monitor their investments.
6. WHY SHOULD I WORK WITH SOMEONE ELSE TO DO MY STRATEGIZING?
Why do it yourself? Successful people hire the best professionals. Even Tiger Woods had a coach. Most successful people do not have time to do their own planning because they are too busy becoming better at what they do. They do not have enough time to become experts in asset management, retirement, estate and insurance planning. That's why most successful people work with a team of professionals who are specialists. My role is that of primary consultant to work with you to develop an overall game plan, and to work closely with any other advisers to implement your life plan and financial program.
7. WHAT IS AN INDEPENDENT FINANCIAL CONSULTANT?
An independent financial consultant is a person who represents many investment companies and is not affiliated with a proprietary company, which offers their own products and services. An independent consultant is not limited to just one line of investments or financial products, providing clients with more objectivity, choice and flexibility.
8. HOW DO YOU GET PAID?
Primarily, through asset management fees. In other words, Capital Consultants is paid a 'percentage' based on the dollars invested in a client's account.
9. WHAT DOES IT COST TO MEET WITH YOU?
Nothing.
10. DO YOU PUT CLIENTS IN MODEL PORTFOLIOS?
I can, but prefer to build portfolios to fit each person's unique needs and concerns. I have no bias for or against mutual funds as compared to individual securities, stocks or bonds, because it depends upon the preferences of the client.
11. HOW MUCH SHOULD I INVEST LONG-TERM?
You shouldn't invest any more than you can afford to forgo without significantly changing your lifestyle. Long-term investments can go down as well as up, particularly in the short term.
12. WHAT IS THE BEST INVESTMENT?
Is it the one that has the highest return for the year? No, the best investment is the one that provides the most money at a time when you need it the most.