Phone: (505) 298-4040 | Fax: (505) 298-8080

Benefits to our Clients

Benefits to our Clients

  • Sleeping Well at Night.  This is the ultimate compliment that we hear from our clients.
  • Excellent Service.  If you think the days of great service are past, we encourage you to become a client and enjoy our service. We value and appreciate each of our clients, and we work very hard on their behalf.
  • We are Fiduciaries.  We adhere to a fiduciary standard of care. This means that we always (yes, always) put our clients’ interests first. We do not receive any compensation from any source for recommending certain mutual funds, bonds, custodians, or insurance products. If we recommend that our clients buy an insurance product (such as long-term care insurance) they are assured that we will not receive a commission or a kick-back from the insurance salesperson. We have never accepted a referral fee or any form of commission. Our strong values and our fiduciary responsibilities allow us to remain totally objective when working with each client.
  • Strong Values.  In addition to being a fiduciary, we abide by very strong values.  These include complete honesty, integrity, and impeccable ethical standards. We abide by the ethical standards of NAPFA (the National Association of Personal Financial Advisors) as well as the FPA (Financial Planning Association).Telling our clients that they can trust us is not enough. We earn their trust with our expertise, our extensive service, and our focus on helping our clients achieve their goals.
  • Discipline.We provide discipline to our clients’ investment decisions.  This is most obvious when the stock market becomes volatile, or heads into a downward spiral. We work closely with our clients when they are stressed, reminding them that we have established a long-term plan, and over-reacting to market swings is not a part of that plan. This is a valuable benefit when compared to the reaction that most individual investors have to frightening economic times.
  • A Secure Financial Future. Regardless of what happens with the economy or the stock market, our focus is on protecting our clients’ assets so they will be financially secure for the long term.Our clients’ investment portfolios are (1) not overly aggressive, and are less volatile than the stock market, (2) the equities are well-diversified among small cap, mid cap, large cap, international mutual funds, and other financial sectors when appropriate, (3) we often build bond ladders, and (4) we keep expenses low within the portfolio.
  • Broad Financial Planning Services.  We work closely with our clients, and are very involved in helping them achieve their goals. We are known for our investment expertise, but our clients receive far more. Services include tax planning, retirement projections, focus on achieving financial and personal goals, advice regarding appropriate insurance, estate planning, college funding strategies, charitable gifting, and passing values down to younger generations.
  • Tax Savings.  Opportunities are often available to save money on taxes (in the short-term as well as the long-term) by utilizing wise tax planning strategies.
  • We Save Our Clients Money.  In addition to helping our clients make money through investment management, we often help our clients save money in other ways. For example, we will help you avoid expensive mistakes, such as having overly aggressive investments or running for cover when the stock market becomes volatile. We can also help you avoid buying annuities with very high hidden fees, recommend when to refinance (or pay off) a mortgage, and help you buy the insurance you need from the best source.
  • A Partner for Making Any Decisions Regarding Your Finances.  Donna Skeels Cygan considers her first “job” with a new client is to earn their trust.  She does this by working hard on their behalf. Once they realize that she is truly working in their best interest (with no conflicts or hidden agendas), then she becomes a partner, ally, and advisor to the client.
  • Education.  She devotes considerable energy to educating her clients about  financial topics, and she thoroughly explains why she is recommending one strategy over another. She provides thorough analysis and advice, so the client can make the best decision.
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