New and Prospective Client Guide
Our clientele's financial interests encompass virtually every aspect of the personal financial spectrum. Each of our client's portfolios is designed to meet the specific needs of that individual or organization.
We have written this commentary to help new and/or prospective clients understand the process of becoming our client and accessing our portfolio management services. We have been right here on our little corner of the world for a long time and we plan to be right here for many years to come. We hope that you will come see us - get to know us and let us describe our services. We like to close our client communications with phrases like "call or come see us when you can." We mean that and recognize that we are privileged to serve our clients and friends. Printable Version»
Establishing a Long Term Relationship
We invite you to schedule a meeting with our Chief Investment Officer/ Chief Portfolio Strategist - Douglas Smith, CPA/PFS; our Portfolio Manager – John Harrell CFP, AAMS; or our Managing Member – N. Gordon Thompson, CPA/PFS. There is no obligation or charge of any kind related to this initial meeting. We encourage you to include anyone you wish - your family, accountant, attorney, friends, other advisors, etc. This first meeting will be useful in getting to know you, as well as beginning to understand your portfolio goals and objectives. Our members will explain TD Capital's approach to holistic and integrated portfolio management. This meeting should be casual and allow you to ask questions and develop some understanding and comfort with our investment and portfolio management services.
Our members and our very able staff have designed the approaches and developed the investment models used to manage our clients' portfolios. All portfolios under TD Capital's care are focused on what we call the "controllable elements" - diversification, cash-flow provision, tax-efficiency, and cost-control.
We'll ask you to provide information pertinent to the analysis process. This will include tax and holdings information and may expand to include other financial information.
It will be helpful, but certainly not required, if you bring the following to your initial session:
- Copy of most recent tax return
- Copies of recent brokerage, retirement, annuity statements
- Some thoughts on your plans, objectives, goals, etc.
- Pension and Social Security expectations
- Company-sponsored retirement, deferred compensation arrangements, stock ownership and options, private firm ownership, etc.
- Real estate and other holdings (along with any associated mortgages or debt)
- Cost basis of taxable holdings
This information will help us to create spreadsheets and do some preliminary analysis of your situation. At the next meeting, we will expand the data gathering and analysis process that is so critical to meeting your goals and objectives.