How We Work
At Ramsier Financial Services, we desire long term relationships with all of our clients.
These relationships are built from day one - with a goal of openness and understanding of what you need and what we can offer.
New clients or existing clients – those seeking advice on a new service, we follow a four-step process that is easy to follow.
No Obligation Visit to our Office:
- You will meet with either Tim, Brent, Doug, Dan or Caleb.
- We will discuss
- Your financial needs
- How you prefer to conduct business
- Answer any questions about our services, fees or qualifications.
- Many clients find it useful to bring the following with them:
- statements of current assets
- tax returns
- retirement plans
- All these things will help us get a better understanding of you and your finances. You may want to download this form which outlines the information that we will need at our first visit.
Recap Letter:
- Based on the information from the first meeting, we often choose to send out a letter to the client which outlines what we understood your goals and objectives to be and outline which services we will provide to address those needs.
Moving Forward:
- When a client elects to move forward with one of our services, additional information may be collected in order for us to properly analyze the given situation.
- Once we have given proper thought and consideration to an issue the client is then invited back for either a formal presentation or recommendation. Paperwork will need to be filled out and followed through.
Monitoring Throughout the Year:
- Depending on your investments, you may be contacted once a year or semi-annually for a review.
- Investment Management client portfolios are monitored for rebalancing on a semi-annual basis and clients are encouraged to attend semi-annual client reviews. Our goal is to stay closely in touch with your expectations.
Retirement Analysis:
When a Retirement Analysis is completed, we assist clients in understanding the "When's" and "How's" of picking a retirement date. During this process a client pays a set, predetermined and communicated fee, not a commission if products are sold.
Meeting with an advisor should not be intimidating nor should any compensation arrangements be shrouded in secrecy. At Ramsier Financial, we take a client-centered approach that uses both fee-based and commission-based platforms depending on the need and desire of client.