Question 1

At what point should I use a financial advisor?

Accepted Answer

This is a good question, and depends on each unique individual with worries, concerns and goals. However, generally speaking, it is a good idea to have a professional advisor when you start saving for retirement and planning for your future. There are many considerations that can save money but also show you the best use of your money for growing your wealth.

Question 2

Are you a fiduciary advisor, and will you act in my best interests at all times?

Accepted Answer

We are Fiduciary advisors and therefore adhere to the highest Fiduciary standard of being legally bound to prioritize our client’s “best interests” while at all times acting in good faith. You may assume that all advisors uphold the Fiduciary standard of care, but this is not accurate, as only 12% of financial advisors choose to meet this exalted standard.

Question 3

What qualifications, credentials, and licenses do you hold?

Accepted Answer

We hold MBA, CFA & RIA – also college concentration in Economics.

Question 4

How many years you’ve been practicing?

Accepted Answer

We have been in the business of professionally advising clients on financial matters for over two decades.

Question 5

How are you compensated / what is your fee structure?

Accepted Answer

First, there are no hidden fees or costs. Our compensation is “pure” fee-based, on percent of assets on advisory, which a sliding declining percent fee scale based on assets: https://www.mcapitalmgt.com/fees

Question 6

What is your investment philosophy / strategy?

Accepted Answer

We craft financially secure futures by focusing on specific goals: liquidity, sustained growth, guaranteed income, portfolio risk containment, all within the context of the client’s objectives and resources. Since we emphasize that the understanding of risks embedded in a portfolio is central to providing value to our clients, we actively manage and build diverse, multi-asset portfolios to capture long-term positive returns while having resilient portfolios that may help weather market volatility.

Question 7

Have you worked with clients in situations similar to mine?

Accepted Answer

We have a very diverse client base with respect to asset sizes, ages, needs, goals, and the type of concerns that led to engaging our advisory services. In short, over the past 20+ years we have most likely worked with a client with similar situations.

Question 8

What kinds of services do you provide?

Accepted Answer

Beyond investments — financial planning, tax planning, estate planning, insurance, retirement income, etc.

Question 9

How will our working relationship work?

Accepted Answer

Will require at least two meetings a year to review portfolios, financial situation, goals, and your overall financial path? We also frequently communicate via email, phone, and video calls.

Question 10

Do I need to have a certain asset size for you to work with me?

Accepted Answer

Typically, we require a minimum of about $250,000 as this is the amount need to properly develop a diversified, multi-asset portfolio. However, if goals are different with just income portfolio, we can accommodate a lower asset amount.

Question 11

Does it cost money to meet an advisor the first time?

Accepted Answer

No, we offer a complimentary advisory meeting where we offer guidance, review portfolios and do a mini-financial checkup.

Question 12

What is the process and how do I make an appointment?

Accepted Answer

You can email or call our office where we can answer some of your other questions and setup a convenient time for an office appointment. Email us contactus@mcapitalmgt.com or call (805) 965-7955.

Day: January 4, 2025

Kip Lytel CFA Weekly S&P 500 Stock Market Review Recap I For the Month of January 2025 I Montecito Capital Management

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