How do they treat investors like me?- In the last six months, how have comparable clients been treated? How often is communication? What type of communication? Is that satisfactory to you?

How do they help you choose investments? - I use a 12 question questionnaire to try to ascertain an investor's risk tolerance. Then I use an independent third-party rating to rate the risk of an investment. Time horizon and other factors then are complied to narrow the options to what might work best for you. What procedure does this advisor use?

Is there an annual review?- This is the time to talk, whether in person or by phone, about changes in your risk or tax situation and make possible alterations to your investments as you life changes. Many of my clients have had advisors who are really nice folks but they never have a review or hear from that person. Work has to happen with friendship separate.

Thinking beyond investments?- Is your advisor making sure you have legal documents, or at least nagging - as I do- for you to get yourself to an attorney? Are they asking you to considering other estate planning needs such as land transfers or continuity planning for your family business? They probably not accountants and/ or attorneys but they could be helping you consider life insurance and asset transfers.


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Marion R. Syversen, MBA - President
NorumbegaFinancial
207.862.2952
Marion@NorumbegaFinancial.com
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