Wealth Management FAQs

Working Together

• What makes your firm different?

  At Sachetta, financial planning and tax planning aren’t separate conversations—they happen together, with the same team by your side all year long. Your advisors hold credentials in both financial planning and tax, which means the people helping you design your strategy are the very same people preparing your tax return and guiding your tax decisions. No handoffs, no gaps, no repeating your story.

  This integrated approach helps ensure that every recommendation—whether about investments, cash flow, estate planning, or risk management—reflects your full financial picture. It also gives you the confidence of knowing that important details aren’t slipping through the cracks.

  We’re here for life's road ahead, so your plan, your taxes, and your life all stay aligned.

• 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 the financial part of their life is taken care of, so they can focus on the things that they truly care about.

  We’re not a fit for a person who wants hourly financial planning or to split tax and investment advice across different firms. 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, investment management, financial planning, tax planning and preparation, and coordination with outside parties such as estate attorneys, or insurance brokers. Our tax-centric approach is something that sets our firm apart from many 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. One relationship, one integrated team, year-round.

• 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.  Individual stocks are generally out of scope by design.

• 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?

  All client accounts are maintained in the client’s name with a qualified, independent custodian, such as Fidelity Investments. Sachetta does not take physical possession of client assets.

• Will you help if I need help with a trust or insurance?

  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 (without receiving commission or compensation) who offer solutions to these needs. If you already have qualified advisors in these areas, we would also be happy to work with them.