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Frequently Asked Questions

Why use an advisor?

You may be deliberating whether to hire an advisor or to continue managing your own financial affairs. There are three things required to successfully manage your own financial affairs – time, interest and knowledge. If you have all three, you should continue to manage your own affairs. I do this full-time, I have a passion for what I do, and I have the education, experience and credentials necessary to do it well. Most of us seek a qualified professional to help with our physical health. Why should our financial health be any different?

The following questions may help you determine whether you would benefit from working with a financial advisor:

  • Are you devoting sufficient time to managing your financial affairs?
  • Do you enjoy the time you spend on financial matters or would you rather spend this time in other areas of your life that are important to you?
  • Would you experience more peace-of-mind knowing you have partnered with a professional to help with your financial planning and investment management?
  • Are your current investments well-thought-out components of a coordinated, diversified portfolio or is your current portfolio comprised of a hodge-podge of investments that you accumulated over time?
  • Is your investment portfolio appropriate for your risk tolerance, time horizon and income requirements?
  • Is your investment portfolio positioned for the current market environment?
  • Are you investing in cost-efficient products and avoiding extra fees such as 12(b)1 fees, trailing commission of any sort, surrender charges, back-end fees, soft dollar benefits or contingency fees?
  • Are you aware of all the investment products available to you and their associated risks?
  • Is your investment strategy tax-efficient?
  • Is your investing coordinated with your education funding, retirement planning and estate planning?
  • Do you know where your next savings dollar should be directed (401k, deferred comp, employee stock purchase plan, Roth IRA, 529 plan, debt reduction)?
  • Will your assets be sufficient to fund your desired lifestyle in retirement? Have all of your life's goals such as a second career, hobbies, travel plans, vacation homes, and bequests been analyzed and included in your analysis?
  • Are you taking advantage of all retirement savings options available and have you considered all applicable financial planning issues such as college savings plans, long-term care funding, living wills, etc.?
  • Do you know how your assets will be distributed when you die? Is your life insurance adequate and of the appropriate type? Are you best providing for survivors in the case of your death?
  • Are you positioned to minimize income taxes, gift tax, estate taxes and probate?
Utilizing my Investment Advisory services can bring you financial peace-of-mind. By allowing me to design an individualized road map toward achieving your life's goals, you can relax and focus on the more important things in your life.

I provide comprehensive, fee-only Advisory services, integrating financial planning and investment management, to a limited number of qualified individuals. I help my clients accumulate, grow, protect, enjoy and transfer their wealth, allowing them to focus on other things in life such as family, friends, career, physical health, spirituality and the enjoyment of life. My clients experience peace of mind, knowing they have partnered with a qualified professional to help them with life's financial decisions and ongoing investment management.

I differentiate myself through my qualifications and fee-only compensation, enabling me to provide high-quality, objective, comprehensive advice. I work with clients who want advice void of product sales biases. All I sell is my time and my knowledge. My firm is not affiliated with any entities that sell financial products or securities and I do not accept any commissions, sales loads, or referral fees.

As my clients' trusted financial guide, I help them navigate their life journeys by being their first contact whenever they confront life's financial decisions. I am committed to responding with answers or advice on the best course of action within 24 hours.

I offer a no-obligation, complementary consultation to assess the fit between your needs and my services. I invite you to learn more about my firm by exploring my website or by contacting me.

What is comprehensive financial planning?

Comprehensive financial planning recognizes the need to consider all areas of a client's financial situation before developing a plan to reach his/her personal financial goals. If we focus on only one or two elements, other areas which may be overlooked may undo all of our planning efforts.

Is financial planning only for the wealthy?

No. You don't need to be a millionaire to benefit from financial planning. Anyone who cares about his/her financial well being, or seeks to improve his/her ability to meet their financial objectives can benefit from financial planning.

What are your financial planning credential/ designations?
    (Requires 30 hours of continuing education every 2 years)
  • NAPFA- Registered Financial Advisor
    (Requires 60 hours of continuing education every 2 years)
  • Financial Planning Association (FPA)
  • Institute for Divorce Financial Analysts
What is a Fee-Only planner?

A Fee-Only planner is one who in all circumstances is compensated solely by the client. Thus, neither the advisor nor any related party receives compensation that is contingent on the purchase or sale of a financial product.

Why is Fee-Only important?

Although no compensation structure is inherently good or bad, I believe that there are far fewer conflicts of interest involved when an advisor is compensated solely based on the fee that he/she receives directly from clients. I also believe that many of the problems we face today in our financial affairs—including the mismanagement of debt, failure to protect retirement assets, and poor allocation of savings and investments—relate directly to the conflicts of interest that pervade the marketplace.

Do you sell any financial products?

No. I do not sell any type of investment, insurance, or other financial product. And I will not receive commission, rebates, rewards, finder's fees, bonuses, or any form of compensation from others as a result of a client's implementation of his/her individual planning recommendations.

What is the significance of the term "NAPFA-Registered Financial Advisor"?

This term indicates that a financial planner adheres to the industry's most demanding practice requirements—including Fee-Only compensation—and meets NAPFA's rigorous standards.

What do you mean by fiduciary?

The Board of Directors, Representatives, and Financial Advisors comprising NAPFA have developed the following definition of Fiduciary:

Fi•du•ci•ar•y – A financial advisor held to a Fiduciary Standard occupies a position of special trust and confidence when working with a client. As a Fiduciary, the financial advisor is required to act with undivided loyalty to the client. This includes disclosure of how the financial advisor is to be compensated and any corresponding conflicts of interest.

NAPFA firmly believes this is the strongest definition of Fiduciary available because of the basic requirements of Trust, Loyalty, and Disclosure.

Trust – Someone who does not completely trust their financial advisor can never be fully confident that they are receiving the best possible advice from the best possible advisor. Without trust, can confidence really be achieved?

Loyalty – An advisor who is loyal to only their clients will not be swayed by outside forces to recommend investments with higher commissions or payouts. Without loyalty, can people ever be sure their own interests are being looked after?

Disclosure – People must know, and understand, how their financial advisor is being compensated for the advice they are providing and whether or not any conflicts exist that may cause a problem with that advisor's ability to provide truly independent advice. Without disclosure, can prudent advice be provided?

Do you provide portfolio management services?

Yes. Portfolio management is the main part of my practice.

Do you require minimum investment amounts?

No. I welcome the opportunity to work with anyone who shares our financial planning and investment philosophy, and to whom my services can provide significant value.

Do you take custody (control) of investment assets?

No. All accounts and assets are held in your name with an independent financial custodian.

Will you work with my other advisors?

Yes. If you are currently working with other advisors—accountants, attorneys, or money managers—I will be happy to coordinate efforts with them to provide you with fully integrated service and advice.

How do you charge for your services?

A) Financial Planning Fees:

At the client's discretion, and based on the nature and scope of planning work to be performed, clients may pay for planning services in one of two ways:
  • Hourly fees : This approach is typically recommended for shorter term consulting requests or more limited financial planning and analysis. The Advisor hourly fee is $250.00 with a minimum engagement of five (5) hours.
  • Project fees : Project fees. These are fixed at the beginning of the engagement and based on an estimate of the time required to complete the work. This approach is for both basic planning and for complex planning cases. The project fee is based on the hourly rate listed above multiplied by the number of hours Applicant expects to spend on the project. Usually this will require 10 to 30 billable hours or approximately $2500.00 to 7500.00. Client fees are outlined in advance in writing and are collected 50% upon engagement and 50% upon plan delivery.

B) Portfolio Management Services Fees:

For those clients making use of Portfolio Management Services, the fee is based upon the total asset under management, and are described in my Part 2A Form ADV. The specific services and compensation arrangements appropriate for each client, as well as all appropriate disclosures, are documented in an agreement signed by the client prior to services being rendered.

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 Material presented is believed to be from reliable sources and we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual advisor prior to implementation. Financial planning and investment advisory services are offered through Abbas A. Heydari an investment advisory firm registered with the State of California Department of Business Oversight. Advice may only be rendered after the delivery of  Firm Brochure( Part 2A of Form ADV), the execution of an investment advisory agreement by the client and the advisor, and the initial payment of the investment advisory fee by the client to the advisor. Abbas A. Heydari CFP® does not provide legal or taxation advice. 

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