Unlike most Registered Investment Advisory Firms, we have no account minimums. (The imposition of account minimums violates Rules Six and Seven of the Financial Avengers.) Therefore, you need not have a certain amount of wealth to qualify for our services.
However, we do set behavioral minimums. Should you wish to apply to become an Agent of the Financial Avengers, we expect a willingness to adopt the following: a focused savings discipline; a cautious approach to debt; an ability to meet with us, on site, even if you are out of state or out of country; a focus on completing tasks and, most importantly, transparency about your personal finances and spending.
These behavioral minimums are not set in stone. If you do not have a cautious approach to debt, or a savings discipline, we will help you create both. In that event, we expect you to work hard – and work with us – to achieve lasting personal change.
We conduct a detailed intake process that includes at least one phone call and at least two meetings. In the phone call we get to know one other. In the first meeting we do a deep-dive into your personal economics. In the second meeting, you will receive an analysis, at least one retirement projection and a proposal related to our services. Our industry calls this a Financial Plan. We call it a Mission Briefing.
There is no fee for the intake process or Mission Briefing. We believe that if you are entrusting us with your entire liquid net worth, we must offer something in return. Time and expertise are our most valuable commodities: therefore, we offer both to begin building a partnership.
Our process requires patience. If you expect a meeting tomorrow and a plan next week, please observe Rule Number 10. We are engaged in the Ongoing Fight for Financial Freedom, which requires a significant amount of time, energy and focus. If you have waited years to engage that fight, it is probably true that you can wait weeks, or even months, to engage our process.
Finally, this is an interview: we are interviewing you and you are interviewing us. Only you can decide if the Financial Avengers are a good fit for you.
Only we can decide who is best suited to receive the designation Agent of the Financial Avengers.
Disclaimer:
There are exceptions to just about everything outlined here. If you are already retired, our intake will be different. If you have achieved a certain level of wealth, you may not need a savings discipline (but we will determine that, not you). We may recommend that you do NOT access our services – or we may recommend that you take certain actions PRIOR to accessing our services. We may request documentation in advance of a meeting, including details about liquidity, income, taxation, etc. We may precondition our meeting on receipt of that material. Our process is flexible and has been honed over decades. You should want to participate it and expect it to take a significant amount of your time (and ours). If you cannot invest time in our process, you should not engage it or us.