It's just a few simple steps to your financial goals! 1. Receive and review the ADV informational form for 48 hours. 2. Fill out the short 'hello' questionnaire. 3. We meet to do a fun risk tolerance exercise. 4. Sign the digital agreement, if you decide to work with us. 5. Receive and pay the invoice for your requested plan. 6. Fill out the main financial questionnaire or provide the info we need. 7. Set up the awesome app and your portal. 8. We create the plan and review it together. 9. We meet quarterly (or any time you need us!) to review results. If we're managing your investments, you get a free annual update!

FAQs Archive - Emancipare Investment Advisors

Q: Where will our money/investments be held?

Our custodian is Altuist Corp (watch the cool short video at that link!) and we chose them because they're the company with the most honest, ethical principals that we could find. Note the name - altruism is selfless concern for the well-being of others. They are backed by the most honest, ethical brokerage that we believe in and love - Vanguard (which as started with working people in mind). When we invest your money, we're purchasing Vanguard funds for you - you own them just as you would own a Chevy regardless of whether you bought it at the dealer, factory, or used car lot.

Q: What are your creds? Are you a CFP?

The credentials are below. Take note, we're coming from a place of true altruism - helping people out of dire financial circumstances, and then to build wealth. So, we started out with the areas of study, experience, and credentials in those areas. It means we can guide you from zero to hero, from dire to aspire, from down in the dumps to a maybe a deluxe apartment in the sky! Licensed/Registered Investment Advisor Representative AFCPE® Accredited Financial Counselor® Ramsey Master Financial Coach Ramsey Preferred Financial Coach Certified Financial Planner (CFP) is an additional title, which incurs more time and expense we'd rather not pass along to our clients at this time. CFPs charge more , and that's not part of our charter. We are fully registered and licensed to do investment management and financial planning for retirement, college/trad/tech school, and other goals. After years of experience and in-the-trenches learning, the value of additional titles and classes diminishes. Also, be aware that folks who aren't actual licensed and registered financial advisors may have titles that "sound" like they are - investment counselor , coach, associate , etc. But really they're not state or SEC vetted and registered. They're insurance salespeople. They'll to sell you things that "sound" like investments, but are actually very expensive, complex, and risky insurance products like deferred/variable/indexed annuities, QLACs, whole/universal/indexed/variable life insurance, and so forth. A real investment advisor is required to provide you with their Form ADV, which is approved by the federal Securities and Exchange Commission and/or state regulators.

Can you steal our money?

billhines4@gmail.com2021-12-02T07:45:36-05:00December 2, 2021|

As investment advisors, we are only permitted to invest your money as a fiduciary, which means we have a legal ...

What if we still have debt?

billhines4@gmail.com2021-12-02T07:42:59-05:00December 2, 2021|

Unlike most financial advisors, we are trained and certified debt/financial coaches and counselors. We know the ins and outs of ...

Can you manage our investments for us?

billhines4@gmail.com2021-11-18T10:12:19-05:00November 18, 2021|

Yes, we often do for folks that are busy with work, life and kids, or those that just don't have ...

How does this work?

billhines4@gmail.com2021-11-18T10:16:19-05:00September 15, 2021|

It's just a few simple steps to your financial goals! 1. Receive and review the ADV informational form for 48 ...

What does fee-only fiduciary mean?

billhines4@gmail.com2021-09-14T11:18:15-04:00September 14, 2021|

Fee-only means that we don't receive money from commissions, or loads, or other places. We only work for you and ...

Are our investments insured?

billhines4@gmail.com2021-08-23T11:09:11-04:00August 23, 2021|

Yes, they're insured the same as any other investment - through the Securities Investor Protection Corporation (SIPC).

Where will our money/investments be held?

billhines4@gmail.com2021-09-09T16:53:45-04:00August 23, 2021|

Your investments are safe with Emancipare, Altruist, and Vanguard.

What are your creds? Are you a CFP?

billhines4@gmail.com2021-09-27T07:05:20-04:00August 23, 2021|

No, but it doesn't limit any planning we can do for you.

How do your fees/services compare to others?

billhines4@gmail.com2021-08-23T10:51:33-04:00August 23, 2021|

First off, our goals are to keep your investments low-fee, simple, and understandable, for you to completely understand them to ...

You’re a small firm, what if you really retire or like, check out?

billhines4@gmail.com2021-08-28T08:17:08-04:00August 23, 2021|

The difference with Emancipare is that our goal is to teach you to take the wheel. It's why we keep things simple, and teach. Both things are quite rare in this business. It's not rocket science. If you aren't comfortable with that, we have a transition plan in place should the unthinkable occur to me (!).

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