Broker Check

Frequently Asked Questions

Is there a charge for an initial appointment to see if we are a good fit?

No, not at all. And the coffee is on us.

What do I bring to my initial appointment?

Bring any of that miserable financial paperwork: your latest statements for your 401k and any investments, your most recent tax return, and any other listings or financial information you easily have available.

Why is there an old bucket prominently displayed in your office?

There’s a story behind that visual reminder. See Mamaw’s Bucket.

Do you accept clients who live outside Kentucky?

Yes. We have clients in many states including clients who have moved to their preferred retirement location. With technology, we make it easy to have strategy meetings without being in the same physical location. 

Why is your hair so gray at your age?

Because I carry the financial concerns and burden of my clients so they don’t have to worry. The Bible says in Proverbs 16:31 that there is another way you get gray hair: “Gray hair is a crown of splendor; it is attained in the way of righteousness.” I’m just saying…

Do you have a portfolio minimum for accepting new clients?

At the risk of sounding a bit snooty, yes. Our minimum investment portfolio value is $250,000 for a household. We highly value providing  unbelievable red-carpet, personal service, if we took every small account possible, then our service would inevitably be diluted to our clients. We are not deluded into thinking we can serve everyone. We do make exceptions for the next generation of existing clients who are grafted in.

Are you connected to Dave Ramsey?

I love Dave's financial teaching and motivational style. Dave wrote the foreword to two books I helped to write. I remain a big fan, but our organizations do not have a formal connection. 

Do you prepare income taxes as well?

Yes. We prepare individual tax returns for our investment clients. This simplifies the lives of our clients and integrates two important pieces of financial planning and stewardship.

How do I get to your office?

We are near the mall area in Paducah on New Holt Road. Click here to see the map.

How are you compensated?

Good question.  With investments, we charge a percentage of the assets invested for you under our care. It will vary depending on the amount invested and the strategy we agree is best. We are committed to explaining how the fees work before you invest. With taxes, we charge a reasonable fee based on the time and complexity involved in completing your return. You pay for tax preparation separately from any investment fees.

My advisor doesn’t offer biblically responsible portfolios. Do you have them available?

Yes. We strive to understand what is important to our clients. Some wish to put their money where their values are. Whether it’s socially responsible portfolios or biblically responsible ones, we can offer screened portfolios with the diversification of multiple fund families.

Must I meet with my current advisor before transferring my accounts to you?

No, that’s not required. It’s your money and you don’t have to meet or provide reasons for moving. We can help facilitate the transfer, but  we encourage you to give the courtesy of thanking your soon-to-be former advisor for their help and informing them of your intentions.

I love the attention and service you give, but I get so much mail of prospectuses, disclosures, and annual reports. Can I stop all of this?

The investment industry is highly regulated. Many of the items you receive are required by law. But we understand your frustration! In many cases, we can switch to electronic delivery instead of paper delivery. Simply email or call us to request this, and our staff will help with the next steps.

How many holes does a straw have?

I’m just seeing if I’ve kept your interest to get to the last question in the FAQ list. Oh, the answer is one.