Fee Only Financial Planner and Investment Advisor
Fee Only Financial Planners and Investment Advisors
Services
Jeff Sprowles and Associates, LLC is a fee only financial services organization. That means that we do not accept money from corporations seeking investors or anyone else but our clients. We care about you and we work for you. Because you deal directly and only with us (and vice versa), you can be confident that only your best interests are being looked out for. We are on your side in all financial situations and we will work with you one on one to achieve your financial goals.
Financial planning and investment advisory services are intertwined. Most clients will receive a financial model as well as an investment plan, both of which are updated annually or more frequently if needed. Using the model, recommendations are made which include asset allocation for all client portfolios and budget boundaries. Some clients experience problems with critical cash flow or have an issue with budget management. For these clients, we provide a thorough analysis of income and expenses. Using this information, a "shoe box" method of allocating income to various bank accounts is implemented.
RETIREMENT
Can you afford to retire? Can you manage the expenses of an assisted-living facility? How can you provide fairly for your grandchildren? These are the kinds of questions we are expert at helping you solve. We pride ourselves on not ever talking technical financial mumbo-jumbo to clients who do not want that kind of information, and clear on having very technical discussions with those who do. Because you pay us, we tailor our services to what you want and need. We are here for you. UNHAPPY WITH PRESENT ADVISOR
RECENTLY WIDOWED OR DIVORCED
Often, life changes require assistance in areas where we have been independent before. This is particularly true with regard to investments and general money management. The death of a spouse or sudden change in finances can inspire a need for professional assistance in areas where you might never have considered it.
GLBT
Jeff Sprowles and Associates has developed financial models to address financial and estate planning, investments, insurance and tax planning concerns important to the GLBT community.
Here are some examples of GLBT issues we have worked on for clients:
Do you feel like your advisor isn't taking your risk tolerance into account? Are you not getting the amount or type of contact you desire? Perhaps you are having trouble assessing your advisor's performance due to lack of transparency.
These are complaints we have heard before, and we believe we can help you feel comfortable while delivering the performance you want from your investments. We understand that a person or couple's risk aversion level is important when making investment decisions. You may be uncomfortable telling your current advisor that you are not satisfied. We can help you make the change to JSAAL in a non-confrontationl, professional manner.
In terms of communication, Jeff is in the office five days a week and the occasional weekend to answer your questions or address your concerns via phone, e-mail or in a face to face meeting. While some clients take advantage of this on a regular basis, Jeff insists on meeting with every client at least once a year. During these meetings, Jeff discloses your portfolio performance and reviews the quarterly statements that are mailed to each client shortly after the first of the month. Clients also receive a copy of The (not so) Almighty Dollar Newsletter with market analysis and commentary each month.
