Are you a fiduciary?

Yes, we are fiduciaries and, therefore, are legally and morally obligated to act in our client’s best interest in advisory accounts. Our fiduciary duty includes prioritizing your needs while avoiding any conflicts of interest.

We also make prudent, well-rounded recommendations for our clients that are subject to industry regulation including internal firm policies along with state and federal guidelines.

It is worth noting that non-fiduciary advisors may be subject to much lower suitability standards. 

What are your credentials and experience?

Our advisors collectively hold three credentials including Chartered Life Underwriter (CLU®), Chartered Financial Consultant (ChFC®) and CERTIFIED FINANCIAL PLANNER™ (CFP®).  The CLU® credential is a premier professional designation reflecting expertise in life insurance, estate planning and risk management.

A ChFC® much like CFP® expands to include a focus in comprehensive financial planning and wealth management. We collectively possess over 40 years of experience in the financial industry.

How do you charge?

We are fee-based financial planners and at the end of the day, it boils down to our philosophy. At NFIG we have decided that a business model that requires transparency and trust is just the right thing to do. Does a transaction-based advisor have similar motivation? Perhaps.

Transaction-based advisors depend on selling you a product in order to receive commission regardless of how your portfolio performs. The fee-based advisor focuses on maintaining a long-term relationship with you and is not limited to such products.

What services do you provide?

We provide holistic financial planning tailored to your specific situation. Our primary services include retirement planning, wealth management, tax efficient investment options, and various insurance strategies to manage risk.

Do you offer tax and estate planning?

While we are not tax advisors or estate attorneys, we do work with our clients to pursue opportunities to mitigate their tax bill and make sure we align accounts with any established estate strategies. In regard to tax planning, this could look like utilizing certain types of accounts that allow for tax deferral or allocating a portion of our client’s assets to a more tax-efficient portfolio design. When appropriate we may also make a professional introduction to a CPA or Estate Attorney who can further assist in these areas along with keeping on open line of communication with these outside professionals to align goals.