Are you a fiduciary?

Yes. As a fiduciary, our responsibilities are both ethical and legal. We are required to act in the best interest of the party whose assets we are managing. That means that we must manage your assets for your benefit, rather than for our own profit. (If an advisor is not a fiduciary, they operate under the suitability rule. The suitability rule only requires that the investments recommended to you be "suitable," not necessarily in your best interest.) Check out our blog post about this here to help you understand why this is so important.

Who has my money?

Convergent Financial Group does not hold your money. A financial institution, called a custodian, will hold your securities for safekeeping to minimize the risk of their theft or loss. The primary custodian we use at Convergent is TD Ameritrade.

How do I get information about my accounts?

Once your investments are under the management of Convergent Financial Group and held by our custodian, TD Ameritrade, you will be able to go online at any time with your secure login to look at your investments. You will be able to obtain past statements and look up certain tax and other documents. Everything is conveniently accessed here on our website through the "Client Portal" option in the menu at the bottom of the page.

What can I expect during my introduction meeting phone call?

For the meeting you will want to be prepared to discuss your finances in general terms, but really there is no prep work required on your side. This is our opportunity to get acquainted with you and your financial situation. Though we will be sharing about Convergent and how we can help you, our focus during this meeting is really on finding out what solutions you are seeking. From there, together we will determine if we are the best choice for you.

Why don't you wear a suit and tie?

Rather than put on a suit and tie, we dress "business casual." We find it to be more conducive to open dialogue, transparency, and real relationships. Every client represents a personal relationship, so we see each individual as much more than a business association. Also, we want you to feel welcome here rather than like just another appointment in a stuffy conference room with another financial "stuffed shirt." But above all, we want you to be most impressed with our knowledge, integrity, and level of service... not our wardrobe.

Are you a fee-only firm?

Yes. We do not accept any fees or compensation based on product sales. Note that this is different from a fee-BASED firm, which can charge fees AND receive commissions on products. Check out our blog post about this here to help you understand why this is so important.

If I'm not already a client, how can I schedule a meeting with you?

Click here to go to our scheduling page where you can choose to set an appointment for an introductory phone call, an introductory meeting, or an introductory video call.

I'm concerned I'm behind or haven't done enough. Should I go ahead and come in or take a little time to "get things together" before I meet with you?

One of the biggest barriers to people getting financial advice is that they are embarrassed. They’re afraid that they are behind their peers, or that they haven’t done or saved enough, and they have this notion that they can wait until they "get it together" and then come get help. In every way, we want to be approachable and accessible so that you are comfortable baring yourself financially. We see the gamut of financial situations, and most people are more in line with their peers than they realize. If you are in fact behind, seeing someone sooner rather than later to get things on track will be in your and your family's best interest. Remember: we aren't expecting you to be a financial expert... that's our job. Click here to schedule with us today.

How do you work with non-local clients?

We have such a passion for helping people with their finances that we didn't want to geographically limit our ability to help. To that end, we have video calls so we can be "face to face" with our non-local clients. Between that and online screen sharing (so you see what we're seeing), you'll quickly forget that we're not actually in the same room. In fact, even some of our local clients still choose video calls because of the convenience. Click here to schedule your first video call now.

Will you work with my CPA, estate attorney, and/or insurance agents?

Absolutely! With your permission, we are glad to coordinate with the professionals whose work impacts your money life. If you would like to meet with your provider at our office for your convenience, just let us know and we'll hold a conference room open for your meeting.

Do you sell insurance products or annuities?

No, we do not sell insurance products or annuities. Though we can make some recommendations on where you might shop for low-cost insurance, we receive no payment or incentive if you decide to use one of those recommended providers. The recommendation we give comes simply from the value we believe they can offer you.

That sounds good.  I'm ready to

Still have questions?

Ask us here and we'll get back to you within one business day.