Life is taken another one of those detours. Last year I was diagnosed with pancreatic cancer.
My practice has moved to Matt McIntosh at 832-268-3596 or cell 713-964-2622. Very sharp guy. He is a Certified Financial Planner (CFP) and he and his wife both graduated from TAMU.
If you have any questions please give me a call at 979-255-2355. Thanks, Royce
Surveys of affluent Americans consistently tell us that their major frustration is that their advisors should be more proactive about future issues that might affect their financial well-being. Royce Financial keeps clients informed on the latest changes to laws, regulations and economic trends that may affect their financial future.
Each investment product has a specific place and purpose where it may fit properly into someone’s retirement plan. But, without a complete review of your personal situation, risk tolerance, income needs, tax situation, long-term care needs, and estate and charitable desires, no one can, or should, have an opinion on whether a specific product is right for you. It is the discovery of your true desires and needs that is the first step you should take, not the choice of investment products that historically many people have made as their first step or concern. You should always discover your needs and build a plan first, before choosing any investment products.
Our simple, easy to understand, process is a great way of helping you get a handle on your true desires and needs and whether or not your current strategies match up with your personal concerns and financial situation. Then if indicated we will take you on a Retirement Test Drive to see how all your retirement puzzle pieces fit together looking out of the next 15 to 30 years.
Some financial advisors focus only on helping you accumulate assets, while your accountant looks back as of December 31st to help you pay your correct tax bill.
My job is to help you look forward, cut future tax bills, help you avoid financial problems in retirement, formulate a workable estate plan and make sure your investments are on track.
1. Have you adequately reviewed my personal financial situation to make sure this recommendation is in my best interest?2. How will your plan affect my tax return each year and what future tax issues may concern me?3. How will your plan affect my income and liquidity needs in the future?4. How does your plan match up with my risk comfort level?5. How will your plan affect the transition of my estate to my heirs?
My 4 Step Process and Retirement Test Drive can help assure that all your financial questions about retirement are answered and your planning options explained and explored fully.My process driven advisory can consistently find what is in your best interest.
I am a Fiduciary. A fiduciary is a person who acts on behalf of another person, or persons to manage assets. Essentially, a fiduciary is a person or organization that owes to another the duties of good faith and trust. The highest legal duty of one party to another, it also involves being bound ethically to act in the other's best interests. Not all advisors are a Fiduciary
What Is a Fiduciary Financial Advisor?
By Coryanne Hicks, Staff Writer, U.S. News March 21, 2018
Only fiduciary advisors are legally and ethically required to put your best interest before their own.
IN APRIL 2016, A NEW word entered many investors' vocabularies: fiduciary. Even for those who'd heard it before, the term took on a whole new meaning when the Department of Labor's Fiduciary Rule was released. All of a sudden financial advisors fell into two camps: fiduciaries and non-fiduciaries, adding a new level of confusion – and risk – to the advisor-client relationship for many investors.
Research by digital wealth manager Personal Capital found that nearly half of Americans falsely believe all advisors are legally required to always act in their clients' best interests. Not only is this inaccurate, but it can also be detrimental to investors who unwittingly expose themselves to biased and potentially costly advice from advisors who put their own interests before investors.
CLICK HERE to read the article.
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