FAQ

• What makes your firm different?

  As a client at Sachetta, your financial goals are our priority, and considering your full financial picture is how we help you achieve them. Our financial advisors get to know you and understand your vision for retirement, how your children and other family members factor into your current and long-term finances, and your comfort level when it comes to risk. Our tagline says that we’re here for “Life’s Road Ahead,” and that means that you’re in the driver’s seat and we’re here to co-pilot every mile of the journey. When we say we take a holistic approach to wealth management—we mean it.

• Who are your typical clients?

  Our clients are looking for guidance that fits their lifestyle and comfort level. They turn to us for full-service advising to minimize risk and help them reach their long term goals for retirement and generational wealth transfer. Most of our clients view us as their “financial quarterback”, ensuring that their financial part of their life is taken care of, so they can focus on the things that they truly care about. We would not be right for a client who wanted to separate tax planning and investment planning among different advisors. Typically, our clients are individuals and small business owners with between $1 million and $10 million of investable assets.

• How do you work with clients?

  We offer wealth management for a fixed monthly fee that covers unlimited communications and meetings, tax planning and preparation, and coordination with outside parties such as estate attorneys, or insurance brokers. No financial picture is complete without tax planning, so all our wealth management engagements include tax planning and filing. Our tax-centric approach is something that sets our firm apart from most other advisory firms. We value our client relationships, and encourage you to pick up the phone or send an email to your wealth manager anytime with questions. Getting married? Divorced? Having a baby? Buying or selling a home? These important life-events are the perfect time to reach out to your wealth manager. We can even help you get started with investment accounts for children, young adults and recent college grads so they can start to learn about planning for their own futures.

• What types of investments do you use?

  The investments that we recommend depend upon each client’s financial situation. We typically favor no-load mutual funds and exchange traded funds for clients’ portfolios, since we believe that they provide greater diversification than can be achieved through individual stock selection.

• What is your investment philosophy?

  Because the majority of our clients are retirement-minded, our approach to portfolio design is long-term oriented. We do not believe in trying to pick individual stocks, nor do we believe in trying to time the market. Instead, we have found that maintaining a diversified portfolio over time is the best path toward financial success.

• Do you have access to my funds?

  We have no access to the funds in our client accounts, other than the ability decide how the account is invested, and to debit our monthly fee. Each account is held by Fidelity Investments, who act as custodian of your funds. We may request that funds from the account be distributed to you, but Fidelity Investments will not send checks made payable to anyone other than you, nor to any address other than yours without your signature. You can rest assured that you, and only you, have access to your funds.

• What if I need insurance, or need to create a will or trust? Can you help with that?

  Absolutely. As part of the financial planning process we will look at your current estate and insurance situations and advise you if any changes need to be made. We work very closely with a number of insurance agents and attorneys who offer solutions to these needs. If you already have qualified advisors in these areas, we would also be happy to work with them.