FAQs
Are you a fiduciary?
Yes. Bogart Wealth is registered with the SEC, which legally requires our advisors to put the client’s interests ahead of their own.
What are your qualifications or credentials?
Every advisor at our firm is a Certified Financial Planner (CFP) professional, indicating rigorous training and ethical standards.
How do you get paid?
We operate on a fee-only basis and do not accept commissions for selling third-party products like insurance or annuities.
What is the value that you bring?
Integrating financial, tax and investment strategies into a cohesive plan. By aligning today’s decisions with future goals, we aim to optimize tax efficiency, ensure reliable cash flow and keep your portfolio built for what’s ahead.
What is the amount I need to retire?
There is no magic number that ensures retirement success. A comprehensive retirement plan can give you the confidence to step into the next chapter with clarity.
Should my investments be based on my age?
Age should only be a piece of your investment decisions. We believe it is very important to consider your risk tolerance, investment vehicle and overall goals when deciding how to invest your money.
Should I do Roth conversions?
Roth conversions can be a very good strategy for reducing future taxes and providing heirs with a tax-free inheritance, however it is important to consider your current income situation when deciding to action conversions.
How can I prepare my retirement portfolio for periods of market volatility?
The first 2 years of retirement are the most important when it comes to your portfolio and the market. With proper planning and allocating funds in the right investment buckets, investors may be better positioned to meet spending needs during periods of market volatility without needing to sell certain investments at unfavorable times.
I always hear real estate is a great investment, should I buy a rental property?
When considering a rental property, it's important to determine what your goal would be with the property. Depending on your intent, a rental property could be a great asset to own.
How often will we meet?
The frequency of meetings depends on your needs and the type of relationship you establish with our firm. Some clients benefit from regular annual reviews, while others may prefer more frequent meetings during periods of significant financial change.
Can you help me if I’m already retired?
Yes. Retirement planning doesn't stop when you retire. Ongoing planning may include managing withdrawals, coordinating income sources, evaluating investment risk, considering taxes, reviewing estate plans, and adapting to changes in your spending or circumstances.
How do I get started?
The first step is typically an introductory conversation. We’ll learn more about your goals and circumstances, explain how our firm works, and determine whether there is a potential fit. If we believe we can help, we’ll outline the next steps and the services available to you. Give us a call!
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