[et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.9.7″ background_color=”#1d70b7″ background_enable_image=”off” background_position=”center_right” custom_padding=”5%||5%||true|” bottom_divider_height=”53px” animation_direction=”top” background_color_gradient_direction__hover=”180deg” background_color_gradient_direction__hover_enabled=”180deg” background_color_gradient_start_position__hover=”0%” background_color_gradient_start_position__hover_enabled=”0%” background_color_gradient_end_position__hover=”100%” background_color_gradient_end_position__hover_enabled=”100%”][et_pb_row admin_label=”Page Title Area” _builder_version=”4.9.7″ animation_style=”fade”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Hero Section Title” _builder_version=”4.9.7″ text_font=”Assistant||||||||” text_font_size=”16px” text_letter_spacing=”2px” text_line_height=”1.5em” header_font=”Assistant|300||on|||||” header_font_size=”66px” header_letter_spacing=”4px” header_line_height=”1.3em” header_2_font=”Assistant||||||||” header_2_text_color=”rgba(255,255,255,0.6)” header_2_font_size=”90px” header_2_letter_spacing=”4px” header_2_line_height=”1.1em” header_3_font=”Assistant||||||||” header_4_font=”Assistant||||||||” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” custom_margin=”||3px|||” animation_style=”fade” animation_direction=”bottom” header_font_size_tablet=”” header_font_size_phone=”28px” header_font_size_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”50px” header_2_font_size_last_edited=”on|phone”]
FAQ
[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”FAQ Section” _builder_version=”4.9.7″ background_color=”#f16334″ custom_padding=”45px||107px|||”][et_pb_row admin_label=”CTA Area” _builder_version=”3.25″ custom_margin=”|auto|19px|auto||” locked=”off”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.7″ text_font=”Playfair Display|300|||||||” text_text_color=”#ffffff” text_font_size=”38px” text_letter_spacing=”1px” text_line_height=”1.2em” text_orientation=”center” module_alignment=”center” custom_margin=”||-18px|||” custom_padding=”||5px|||” animation_style=”fade” animation_direction=”top” animation_starting_opacity=”200%”]
Here’s what you need to know.
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row admin_label=”FAQ” _builder_version=”4.3.2″ max_width=”900px” animation_style=”fade” use_custom_width=”on” custom_width_px=”900px”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_accordion open_toggle_text_color=”#1B333F” open_toggle_background_color=”#d7f0f9″ closed_toggle_text_color=”#1B333F” closed_toggle_background_color=”#FFFFFF” icon_color=”#f46624″ _builder_version=”4.9.7″ toggle_text_color=”#1b333f” toggle_font=”Assistant||||||||” toggle_font_size=”20px” toggle_letter_spacing=”2px” toggle_line_height=”1.3em” body_font=”Amiri||||||||” body_text_color=”#1B333F” body_font_size=”16px” body_line_height=”1.8em” background_color=”#f16334″ hover_enabled=”0″ border_style_all=”none” sticky_enabled=”0″][et_pb_accordion_item title=”What makes you different?” open=”on” _builder_version=”4.9.7″ hover_enabled=”0″ sticky_enabled=”0″]
We don’t let stones go unturned. And we certainly don’t like to “stay in our lane,” as we believe our lane as your financial advisor is to understand everything about you, your goals, and what keeps you up at night. No one is omnicient, especially when it comes to the future (or the financial markets!) so the most powerful tool we have is to help you kill whatever uncertainty you face in your life, financially, as early as we can. This requires proactive planning and pivoting whenever prudent. And it requires digging deep into any questions or concerns you have. That’s our favorite part of what we do!
That’s what we mean when we say we’re holistic. We like to become the hub of your financial world. Our goal is to be your first phone call when something happens in your life. And it becomes easy to achieve when we earn your trust and prove to you that we really care about your life, your family, and your well being.
What do our clients say? That we make them feel comforted and assured. That they don’t merely trust us; they rely on us. And that we are unique, whether that’s in our team’s mix of experience and new energy, our emphasis on looking and feeling different than our peers in a “sea-of-sameness” industry, or our desire to make our clients smarter, stronger, and wealthier.
[/et_pb_accordion_item][et_pb_accordion_item title=”What do you mean when you say you are a Fiduciary?” _builder_version=”4.9.7″ open=”off”]
In the world of investment services, only Registered Investment Advisors (like Howe & Rusling) are fiduciaries, and we are legally bound (and monitored by the SEC) to the highest standard of care for our clients. In other words, not only are we required to do what’s suitable for you, but we actually have to do what’s best for you, even above what’s best for us. But here’s the thing: we’ve designed our entire business model around this fiduciary standard, and we wouldn’t have it any other way. We charge an asset based fee which means the only way we can make more money is by growing your assets. This makes are incentives align: what’s best for you is also best for us. That’s the kind of transparency we prefer.
[/et_pb_accordion_item][et_pb_accordion_item title=”How big is your average client, and where do your clients live?” _builder_version=”4.9.7″ hover_enabled=”0″ open=”off” sticky_enabled=”0″]
Our average client has about $1,000,000 in investable assets. But, across our client base, the range is quite large.
About 75% of the assets we manage are for individuals, and the remaining 25% are for institutions.
Among the individuals, we have developed great solutions for ultra high net worth, established wealth, and emerging wealth. The needs and goals of these individuals tend to be different, and our solutions reflect such differences.
Our clientbase spans over 34 states, and even spans a few different countries. We don’t see geographic location as being important when it comes to our relationships, and we think our clients would agree. Just like having family who lives far away, we have simply adapted to making up for the geographic distance with regular communication and visits.
[/et_pb_accordion_item][et_pb_accordion_item title=”How are you going to protect my money in down markets?” _builder_version=”4.9.7″ open=”off”]
In a bull market there will be corrections. In a bear market there will be rallies. Downside protection starts with asset allocation. Understanding your risk tolerance and how much changes in the stock market cause you stress will help guide your investments. Your investments should change as you age to better match your goals and risk tolerance. The problem is when investors scramble to protect their money after a correction has already begun. They start selling stocks at the worst moment, locking in those losses and never giving their investments time to recover. After we’ve established your asset allocation by determining your exposure to stocks, bonds, and other asset classes, we also make sure you are diversified across the 11 sectors of the broad stock market and the various classes of government and corporate bonds. While we prefer to buy and hold quality companies, we have a preference for income producing assets. While the price of dividend-paying stocks may sink with the rest of the market, that cash payment you receive will act as a ballast to your total return profile. We find it easier to focus on the dividend stream that our portfolios generate, rather than to focus on share prices which are dictated by short-termism and human emotions such as fear and/or greed. Dividends from a diversified portfolio of U.S. stocks have been very stable and growing over time.
[/et_pb_accordion_item][et_pb_accordion_item title=”Can’t I just do all this myself?” _builder_version=”4.9.7″ open=”off”][/et_pb_accordion_item][et_pb_accordion_item title=”How do you charge for your services?” _builder_version=”4.9.7″ open=”off”]
For investment management, we charge an asset based management fee. This makes it very easy and transparent for everyone involved because our motivations align with that of the client; the only way we can make more money is by growing our clients’ assets.
[/et_pb_accordion_item][et_pb_accordion_item title=”When can I retire?” _builder_version=”4.9.7″ open=”off”]
This is an intensely personal question. Every person’s retirement outlook is different! The bottom line is that you’ll be able to retire when the income streams you create — Social Security, your savings, investments and any other sources you might have — are enough to support your desired standard of living after you leave your job. Of course, there’s no one-size-fits-all answer here. Many retirees plan to travel the world after they retire, while others are perfectly content with living a simple (read: inexpensive) life. If you aren’t sure if you’re on track for the retirement you want, it’s a smart idea to consult Howe & Rusling financial planners who can assess where you stand and suggest a savings and investment plan to get you where you want to be.
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Food for thought?
ASK A QUESTION
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(585) 325 4140
120 East Avenue, Rochester, New York 14604
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