901 Ponce de Leon Boulevard,
These clients have a median age of 41, are working professionals, and usually have multiple financial goals that they would like to achieve such as planning for their children’s college, and maximizing retirement savings.
These clients range in age from 55-70 years old. Their main financial concerns include gaining a better understanding of how much they can live on based on their retirement savings, establishing a sound estate plan for their next generation, and having an investment portfolio that is geared towards income protection and income generation.
These clients range in age and are currently experiencing life events that require rethinking their finances and financial strategy. Life changes include going through a divorce, the loss of a spouse, getting remarried, the birth of a child, receiving an inheritance, downsizing your life, and even moving to a different state or country for retirement.
Our financial planners work with clients in two different ways:
We don’t believe anyone can consistently time or “beat” the market. Research has demonstrated time and time again that those who chase returns fare worse over the long run than those who develop a sound investment strategy and impose discipline over their investment decisions.
As such, our investment philosophy is one that believes in creating globally diversified portfolios taking into consideration market research, and taking advantage of potential market opportunities.
In our client portfolios we primarily use exchange traded funds and no-load, institutional class mutual funds. Depending on the client’s needs we may also use individual stock and bonds.
Our company receives compensation from its clients in two forms:
Cathy Pareto and Associates is a fee-only registered investment advisor. We do not receive compensation or commissions from third parties nor do we sell our clients any products.
Cathy Pareto and Associates is open Mondays – Fridays from 9:00 am -5:00 pm
Our fees depend on the type of client you are:
For a copy of our firm’s disclosure statement (Form ADV), click here.
Hiring a financial planner is a very personal decision that should not be made hastily. There are many reasons to hire a financial planner as there are many types of planners. Whether or not you should hire one really all depends on your needs, and your level of comfort and involvement regarding your finances.
Here are some of the reasons to consider:
As a client you can expect to receive a more personal approach to your finances. Because we are an independent boutique firm you will always know who to contact when you have a question. You will never be, or feel like you are just another account.
Our team will help you build a financial strategy that includes your financial goals, and they will work with your other professionals such as accountants, insurance agents, and estate planning attorneys to help you implement your strategy.
As a client you can expect transparency, honesty, and knowledgeable advice.
Having access to your account is important. We make it easy for you to access your account whenever and wherever you are. Here are several ways to do it.
1. You can access your account balances, performance, documents, and Advisor commentary using our mobile app. Our app is available for Android and Apple devices. Simply search for our CPAA Mobile app.
2. You may also access your account through our website using the client login link.
3. You may also go directly to your custodian.