Our Process
You Lead the Way
Not sure what a financial advisor really does? You’re not alone. Many people tell us they put off meeting with an advisor because they weren’t sure what to expect.
We get it — and we’ve designed our process to be transparent, comfortable, and built entirely around you.
At Toledo Financial Group, teamwork is key, and at the heart of this team is YOU. We’ll work with you — and your CPA and attorney, if you wish — to create a plan that moves you toward your goals.
Here’s a quick look at how we’ll work together:
Our first meeting is a time to get to know each other, discuss your situation and what is most important to you. It’s also your chance to determine if we are the right fit to help you.
If you decide to move forward, we’ll take a closer look at your financial picture. You’ll share account statements and other key details, and we’ll identify and prioritize goals,as well as determine your tolerance for risk.
Here we will take what we’ve learned about your financial picture and construct a plan to pursue your goals. We will then discuss the plan and get your approval to implement.
This is where we put the plan into action.
Life changes — and so should your plan. We’ll meet periodically to review your progress, discuss any life updates, and make adjustments to keep you on track toward your goals.
How We’re Compensated
At Toledo Financial Group, commission and fee transparency is essential. We believe you should always understand how your advisor is compensated — and we’ll discuss it openly as part of your plan.
Financial advisors are typically compensated in one or more of the following ways: commissions, advisory fees, or planning fees. The right structure for you depends on your investment approach, account types, and overall goals.
Commissions
Paid when an advisor buys or sells investments on your behalf
Compensation occurs on a per-transaction basis
Suitable for clients who prefer a transactional relationship rather than ongoing management
Advisory Fees
Charged as an ongoing percentage of the assets we manage for you
The percentage often varies based on account size and the level of guidance and service provided
Ideal for clients who want continuous management, monitoring, and advice
Planning Fees
A flat fee charged for developing a comprehensive financial plan
May include:
An initial planning fee
A smaller annual update fee to review and revise your plan
In some cases, these fees can be integrated into your advisory fee
Each compensation method has its advantages and considerations. During our initial conversation, we’ll walk through all available options and help you decide what works best for your situation.
No matter which approach you choose — the decision is always yours.