A Personal Relationship
We will partner with you to build a relationship defined by your goals and preferences, and your active involvement. Not every client is the same. We tailor our services to meet your unique needs. We will help you choose the right level of advice for your needs - whether it's investing, managing your retirement plan, college savings plans or your estate.
When you partner with us, we become the "centerpoint" of your financial life. Your questions will be encouraged. Our answers will be straightforward.
We act as a liaison to help you communicate with your CPA, estate attorney, family members, college financial aid officer, insurance agent, and often more. As an independent, Fee-Only™ financial adviser firm, we do not sell products, receive commissions nor participate in referral fee arrangements with any other professionals. We are compensated directly by you for our full roster of services and not on a transactional or commission basis thus freeing our relationship with you from conflict of interest. As a fiduciary to you, our sole objective is to always advocate for your best interest.
The Fiduciary Standard
As Registered Investment Advisers, rather than stockbrokers, we adhere to the Fiduciary Standard, a very important distinction. The Fiduciary Standard is the highest standard in the financial services industry and defined by NAPFA™ and FINRA as “a financial adviser held to a Fiduciary Standard occupies a position of special trust and confidence when working with a client. As a Fiduciary, the financial adviser is required to act with undivided loyalty to the client. This includes disclosure of how the financial adviser is to be compensated and any corresponding conflicts of interest."
In June 2017, the U.S. Department of Labor proposed that all financial services providers adhere to the Fiduciary Standard if they are giving counsel to clients on retirement plans. This was not adopted nor is it enforced for broker dealers. However, this has always been CenterPoint's foundation standard.
If you would like to learn more about the distinction between an investment fiduciary and an investment product salesperson, please contact us. We look forward to talking with you.
We provide personalized, confidential financial planning and investment management. We work primarily with individuals and families though we also serve small businesses and charitable organizations. After in-depth consultation with clients to determine financial objectives, cash flow needs, and risk tolerance, we will develop a financial plan and investment strategy to meet that plan. Our recommendations will include cash flow management, tax planning, real estate considerations, insurance reviews, investment management, education funding, retirement planning, charitable giving, and estate planning, as appropriate. Investment advice is an integral part of financial planning.
Our clients receive on-going and in-depth financial guidance from us. We are strictly a Fee-Only™ investment management firm. Custody of all securities is through Charles Schwab and Co., Inc. Institutional, SIPC/NYSE.
We believe the strategic deployment of private capital can help address the global social, economic, and environmental challenges we face today.
Toward this goal, we strongly support our clients in their desire to invest according to their environmental and social values.
We are proud of our time-tested strategies in social investing.