ABOUT

7th Street Financial 

 

Welcome to 7th St Financial. We are a financial planning services firm catering to people of all incomes and financial needs.  There are many financial planning firms out there so why should you choose us? Let me give you five reasons why.

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1. Specialty areas of expertise

 

If you are looking for a financial planner find someone who gets you and who understands your life. My experience has given me an expertise with IT workers, entrepreneurs and families with kids getting close to going to college. If you fit into one of these categories I will have gone through some of the things you are experiencing and can be uniquely positioned to help you. 

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2. Lower and easy to understand fees

 

While I believe strongly in the benefits that a financial planner can provide their clients I believe the fee structure traditionally used by financial planners are not in the clients best interest.​ The common practice today is to charge clients 1% of their assets under management. For a client with a $400,000 portfolio this would be $4,000 per year. If the portfolio grows to $800,000 then the client pays $8,000 for what is essentially the same service. Why would you want to do that?

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At 7th Street Financial we offer a full array of financial planning services with a fee structure that keeps your fees reasonable whether your portfolio is worth $200,000 or $2,000,000. For those that don't require the full suite of planning services, we offer plans at lower monthly rates so you only pay for what you need.

 

3. Lower Fee Investments

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We believe strongly that the money you save and invest should be maximized for your growth, income and safety needs and not be watered down due to high fees. The majority of investments today are made in mutual funds and ETF's. All of these funds will charge the investor a fee that ranges anywhere from .05 to 2.5 percent with the average being about 1 percent. We will work hard to find investments that meet your needs while targeting a goal of less than .50 percent in fees.

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4. Education And Transparency

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Your questions and input throughout the process of determining your goals and life needs are critical. In the end we need to make sure you are comfortable with what has been recommended, why it was recommended, how it will help you meet your goals and how much it will cost you. We never want you to feel that we are recommending something for you to do with your finances and not fully know why.

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5. More Personal Attention

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At most investment firms the goal for a planner is to get a client base of 300 customers. If you consider there is roughly 2000 working hours in a year that leaves about 7 hours per client. At 7th Street, our goal is a base of 50 full service clients. That leaves far more time available for each client to making sure their financial goals are being met. 

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6. No Conflict Of Interest

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At 7th Street we will not sell you any products. We offer financial advice and will recommend products but won't sell products to you directly. In addition, we have no partnerships with any other organizations that do sell financial products. We receive no commissions, no kickbacks or fees of any kind from any products we recommend for your purchase. If we recommend a product it is truly because we feel it is right for you.

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