Broker Check

Frequently Asked Questions

DO I NEED AN ADVISOR? 

Honestly, we don't know if you need an advisor, and if you do, Forge Wealth Management may or may not be the right firm for you.  Determining whether we are a good fit takes place during a 60-minute complimentary introductory meeting.  This process allows us to limit our practice to clients for whom we can provide substantial value.

Whether you’re facing retirement, a life transition, or just looking to better understand certain investment ideas—we can address your most pressing questions.  We look forward to exploring your financial goals with you to see how we can guide you on your financial journey.


WHAT HAPPENS AFTER THE INTRODUCTORY MEETING?  

Taking your goals, values and objectives into consideration, we give you specific financial recommendations.  This is where we begin to create your financial roadmap.  We then schedule a meeting to walk you through your plan step-by-step and share the investment strategies to help build the future you deserve.

At Forge Wealth Management, we are committed to you throughout your entire financial journey, not the daily moves of the investment markets.  We believe in the big picture and specific planning tailored to your needs. 

 

WHAT SEPARATES YOU FROM OTHER FINANCIAL ADVISORS? 

Regina’s background as a CERTIFIED FINANCIAL PLANNER™ professional assists her in keeping high standards for her clients.  The designation comes with extensive training in financial planning, estate planning, insurance, investments, taxes, employee benefits and retirement planning, as well as in CFP® Board’s Standards of Professional Conduct, which are rigorously enforced.  As a CFP® professional, Regina is required to uphold her certification through continuing education – something to consider with new financial instruments appearing regularly on the consumer market.  In fact, CFP® certification is the most recognized in the industry for personal financial planning.  So as you think about your financial future, please bear in mind that only 20% of all financial advisors in the industry can claim this distinction (CFP Board).

As a Certified Divorce Financial Analyst® professional, Regina works together with clients and attorneys to guide them through the financial complexities of the divorce process.  Financial divorce analysis helps to focus on a stable economic future.  This also helps prevent long-term regret with financial decisions made during the divorce process.


WHAT IS YOUR REQUIRED INVESTMENT MINIMUM? 

Our client service model works best with investable assets over $750,000. 

 

WHAT IS YOUR INVESTMENT APPROACH?

In order to better serve you, we start with a plan and develop investment strategies based on your goals and risk tolerance.  Together we plan to help preserve, deploy and diversify your wealth effectively by identifying strategies and managers that we believe can help work towards their personal financial goals.  Utilizing in-depth planning to guide us on our journey together, we build a long-term relationship with your entire family using a multi-generational approach. 

 

HOW MUCH INPUT DO CLIENTS GET INTO HOW YOU MANAGE THEIR MONEY? 

As much as you want— after all, it is your money!  Together, we evaluate your capacity for taking risk quantitatively and qualitatively.  Before investing, we agree on an asset allocation and portfolio design.  After your money is invested, we have regular review meetings.  Together, we rebalance your portfolio as needed to bring it back in line with your target asset allocation.

 

WHERE WILL MY ASSETS BE HELD? 

Our broker dealer is LPL Financial.

 

WHAT SHOULD I EXPECT FROM AN INTRODUCTORY MEETING? 

Our priority is you.  At Forge Wealth, it’s not about your assets—it’s about your life.  In order to create your personalized financial roadmap, we need to identify what purpose your money serves.  We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk.  Long-term relationships that encourage open and honest communication have been the cornerstone of Forge Wealth Management.  In this meeting, we ask you a series of questions to determine how we can better serve you.  We encourage you to ask questions during this meeting and all future reviews.

 

IS THERE A COST FOR MEETING? 

Our introductory meeting is complimentary, giving us both an opportunity to make sure that we are a good fit for each other.

  

ARE MY ASSETS INSURED? 

Yes, assets are insured.  However, asset values may fluctuate as the markets fluctuate; there is no guaranteed return or return of capital when one invests in securities such as mutual funds.  The LPL Financial SIPC membership provides account protection up to a maximum of $500,000 per customer, of which $250,000 may be claims for cash.  Additionally, through London Insurers, LPL Financial accounts have additional securities protection to cover the net equity of customer accounts up to an overall aggregate firm limit of $575 million subject to conditions and limitations.  The account protection applies when an SIPC member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against losses from the rise and fall in the market value of investments.  This extensive coverage reflects a strong commitment to servicing your investment needs.  An explanatory brochure is available at www.sipc.org.

 

WHAT FEE DO YOU CHARGE? 

Annual advisory fees are charged in lieu of commissions, based on account size, and are deducted directly from your accounts.  Fees decrease as your asset levels increase.  Your actual fee depends upon assets under management.

 

HOW OFTEN DO YOU MEET WITH CLIENTS? 

Typically, we meet several times per year.  We may meet with clients more frequently during times of transition, such as retirement, marriage, divorce or death of a family member.

 

HOW DO I GET STARTED?

Head over to our contact us page and give us a call!  We are so excited to work with you!




No strategy including asset allocation or diversification can prevent against loss.  Investing involves risk including loss of principal.  Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.