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Where do you custody investment assets?
TD Ameritrade Institutional
Are you a legal Fiduciary in ALL aspects of your services?
Yes, the CPA code of conduct applies to the entire scope of services offered.
How many years of experience do you have in wealth management?
Over 25 years between Arbor’s managing partners.
What are your professional credentials?
Joe Arsenault is a Certified Public Accountant (CPA), Personal Financial Specialist (PFS).
What is your investment philosophy?
Reduce portfolio costs, employ tax sensitive investment strategies, and avoid significant market timing transactions to improve risk adjusted returns while reduce drag on portfolios
What is your management fee on assets?
Our advisory fees are available upon request or can be found on our ADV Brochure.
What is the average expense ratio of portfolios offered?
Averages fluctuate but our objective is to keep them under 0.10%. Ask us about our current average expense ratio today.
Do you have investment minimums?
Client suitability is discretionary, we do not have any hard minimums.
Do you have experience in tax planning related specifically to retirement planning and wealth management?
Yes, we specialize in retirement taxation and strategies related to qualified retirement money.
Do you offer custom Roth conversion strategies with unique year-to-year planning?
Yes, our advanced financial planning service includes building custom Roth conversion plans, which require annual projections.
Do you use gain-harvesting strategies?
Yes, we believe GAIN harvesting is even more impactful than loss harvesting. Ask us about gain harvesting today.
Do you consider Social Security benefit taxation and Healthcare benefit taxation in your financial planning strategies?
Yes, we help you maximize your benefits while minimizing your taxes on those benefits.
What is the advisor’s philosophy on annuities?
Our philosophy on annuities is very unique to the industry. We look for real money returns and with minimal risk. We look for clean contracts and expanded liquidity. Ask us for our comprehensive explanation to annuity planning today.
What is the advisor’s philosophy on life insurance?
Life insurance is a powerful risk management and tax planning tool. When we use life insurance the strategy intent will be direct and clear.
If insurance licensed, is advisor 100% independent?
Yes we are independent. Nobody tells us what contracts to use and we don’t chase high commissions. We find what’s best for you.
Do you disclose commission paid on insurance?
Yes, as a complete fiduciary our code of conduct requires us to disclose any commission paid.
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