Simplifying and managing your financial life

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We offer a complimentary "Get Acquainted" meeting to describe our services, and to see if our services are right for you.

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Frequently Asked Questions

Please click the questions below to discover the answers.

How are you different from other financial consulting firms?

Our principal differences lie with our independence, investing approach and emphasis on client service. As an independent financial consulting firm, Griffiths Financial Services works for its clients, period. We don't answer to any investment product manufacturer or parent brokerage company, which means our advisors are free to provide unbiased advice and recommend the best opportunities for your unique needs.

Our investment approach rejects short-term, impulsive decisions. Our Asset-Class Investing approach is disciplined, designed to target long-term goals and firmly rooted in respected academic research. We are proud to be among a limited group of advisors offering Dimensional Fund Advisors (DFA) mutual funds through LPL Financial.

Finally, our service sets us apart. Fully addressing your financial goals requires a multi-dimensional approach. Griffiths Financial Services provides a broad set of services ranging from investing to retirement income planning to estate planning. Most importantly, all of our services grow from a detailed understanding of your unique situation and goals.

What is your investment approach?

In our view, the best investing approach for both the short and long term is Asset-Class Investing. Asset-Class Investing is a passive investment strategy based on the research of innovative and respected academics and economists.

Investing involves risk including loss of principal. No strategy assures success or guarantees against loss.

Where is my money held?

Client assets are held at LPL Financial or Charles Schwab. Charles Schwab serves as the custodian for Loring Ward clients.

How often do you meet with clients?

We meet with clients twice a year or more depending on individual clients’ needs.

Do my accounts have SIPC protection?

The LPL Financial SIPC Membership provides account protection up to a maximum of $500,000 per customer, of which $250,000 may be claims for cash. An explanatory brochure is available at www.sipc.org. Additionally, through London Insurers, LPL Financial accounts have additional securities protection to cover the net equity of customer accounts up to an overall aggregate firm limit of $575,000,000 subject to conditions and limitations. The account protection applies when an SIPC member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against losses from the rise and fall in the market value of investments.

How much input do clients get into how you manage their assets?

Input from our clients is an indispensable part of our investing process. We design portfolios based on a thorough understanding of clients’ goals, time horizon, and risk tolerance. After your money is invested, we rebalance your portfolio as needed to bring it back in line with your target asset allocation.

How do I transfer my assets to you from another advisor?

You simply provide us with a copy of a current statement from your current advisor. We’ll take care of setting up a new account and having your assets transferred.