FAQs
What is a CFP® professional?
The term "financial advisor" can describe professionals with a wide range of backgrounds, training, and experience. The CFP® designation represents a defined professional standard. CFP® professionals must complete rigorous education, examination, experience, and ethical requirements established by CFP Board, along with ongoing continuing education.
As CFP® professionals, we act as fiduciaries when providing financial advice, putting our clients' interests first. For us, that responsibility goes beyond a professional standard. It is fundamental to the stewardship and trust at the heart of every client relationship.
Learn more about the designation on the CFP® Board website: CFP website.
What can a financial advisor do for me that I can't do myself?
Financial information has never been more accessible. The challenge is often not finding information, but knowing what applies to you, what matters most, and what to do with it.
As wealth grows, decisions become increasingly interconnected. An investment decision can affect taxes, retirement income, estate planning, charitable goals, or a business. Good advice requires understanding those relationships and, just as importantly, understanding you.
Our role is to know your financial life, help you evaluate the tradeoffs, identify risks and opportunities, and apply experience and judgment to important decisions. We coordinate with your other professionals when appropriate and help make sure good ideas are actually implemented.
When markets are uncertain or life changes unexpectedly, there is also value in having an experienced advisor who already knows you, your family, your plan, and why it was built the way it was.
Who do you serve?
We serve successful individuals and families from a wide range of backgrounds, including business owners, professionals, technology executives, agricultural families, and those approaching or enjoying retirement.
Our clients have often accumulated meaningful wealth and reached a point where their financial lives have become more complex. They value having an experienced advisor who understands the whole picture and can help them make thoughtful decisions about investments, taxes, retirement, their businesses, and the wealth they will ultimately leave behind.
Many of our relationships span decades and, increasingly, multiple generations of the same family.
What are your fees?
Our investment advisory fees are generally based on the amount of assets we manage and the scope and complexity of the relationship.
Because every client's circumstances are different, we believe it is more useful to understand your situation and the work we will be doing before determining the appropriate fee. We discuss fees clearly before beginning an engagement so that you understand what you will pay and the services you will receive.
Do you have a minimum asset requirement for investment management?
Our practice is designed primarily for individuals and families who have accumulated meaningful assets and value comprehensive financial advice. Because every situation is different, we consider the overall relationship, including the assets we will manage, the planning involved, and where we believe we can provide meaningful value.
Rather than relying on a single account minimum, we prefer to learn more about your circumstances and determine together whether our firm is the right fit.
What services do you offer?
We provide comprehensive wealth management designed to bring the different parts of a client's financial life together.
Our services include financial planning, investment management, retirement planning, tax-aware investing, estate planning coordination, charitable planning, education planning, and risk management. We also work with our clients' attorneys, accountants, and other professionals when appropriate to help ensure that the various pieces of their financial plans work together.
Our objective is not simply to manage investments, but to provide ongoing advice and stewardship as our clients' lives, families, and financial circumstances evolve.
Let's Start a Conversation
Choosing an advisor is an important decision, and the right relationship begins with a conversation. We would welcome the opportunity to learn more about you, what you have built, and what you hope to accomplish.
Choosing an advisor is an important decision, and the right relationship begins with a conversation. We would welcome the opportunity to learn more about you, what you have built, and what you hope to accomplish.
Let's talk about how Crosby Capital Advisors can help you and your family: (209-576-8000), info@crosbyca.com.
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