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Miscellaneous
100

I don't have time to talk right now

I understand your schedule is hectic. My role only takes 2-3 minutes to make sure you get the help that you were looking for. Is it okay if I ask a few quick questions?

100

I have an advisor and am looking for a second opinion.

What doubts/concerns do you have making you feel like you need this second opinion? What prompted you to look for a 2nd opinion now? What are you looking to accomplish by getting a 2nd opinion?

100

Married with kids. 50 years old. 401k work hasn't been performing well in current market. Never met with advisor. Has $100k in cash to invest but not sure where. Dave Ramsey account. Feels like they are behind in saving for retirement. Main goal for retirement is to spend time with the family. 

Recap. I would recommend meeting with our Smart Vestor Pro John. He will review how to optimize your 401k's performance and make sure you understand where to invest your cash assets so that you can get caught up with where you want to be for retirement. That way you can focus on spending time with the kids when you transition to retirement. 

100

What are some other types accounts that you might hear that are similar to a 401k? 

457. 403b. TSP (Thrift Savings Plan). 457.

200

I already have an advisor

That's great. The top financial gurus are currently recommending getting 2-3 opinions on your portfolio to ensure that you are getting the very best help. 
200

I have been self managing my investments.

How have you chosen your investment decisions? How has your portfolio been performing for you? Since you manage your own investments, what kind of help were you looking for from an advisor?

200

Single. 25 years old $80k in mutual funds. Focused on wealth management. Doesn't have time to study the market and wants to make sure that accounts continue to grow. Has an advisor but is unhappy with being forced into products that aren't a good fit for him. 

I know that you were not happy with your currently advisor because you are being pushed products that you feel aren't a good fit for you. I would strongly recommend meeting with our advisor John to make sure that you get an unbiased approach to your portfolio from a Fiduciary advisor. He will make sure that your mutual funds continue to grow towards your goals. That way you can take constantly studying the market off your plate and have some more time for your other hobbies.


200

What are the two types of IRA's that our IRA team can work with?


What are some IRA types that the IRA team can't work with?

They can work with Roth and Traditional IRAs. 


They can't work with SEP, Simple or Inherited IRAs. 



300

Just send me an email

Sure I can send you an email with some information. I want to make sure the information I send you is relevant to what you are looking for. What kind of help were you looking for?

300

I'm don't know anything about investing. 

Have you ever met with an advisor before? What investment experience have you had? What are you looking to accomplish with your investments?

300

Married, no kids. 60 years old. Main goal is to make sure that they are able to retire by age 65 so they can travel the world. They are currently working with a broker and their accounts have been growing nicely but they don't how to withdraw their funds or take social security. $800k in portfolio.

Recap. I would strongly recommend meeting with our advisor John. He will be able to build out a comprehensive road map for your retirement including factors like social security and developing a withdraw strategy. That way you can make sure that your investments are set up correct so you can retire in 5 years and start traveling the world. 

300

For local office leads. What dial counts do we leave voicemails on? 

For national/virtual leads. What dial counts do we leave voicemails on?

For Local Office leads we leave dials on 1,5,9.O


For National/Virtual leads we leave dials on 1,3,5. 

400

I need to speak with my spouse before moving forward or setting an appointment. 

I completely understand. It's important that everyone is on the same page. Our advisor's calendar does fill up quick, so I want to make sure we can set some time apart for you. The advisor will reach out before the appointment so that you have a chance to talk with your spouse. 

400

I don't need investment advise on my accounts. I just want help with planning. 

Do yo know how to draw income from your accounts and how much you can take out when you retire? What factors have you considered outside of your investments when planning retirement? When was the last time you create a plan for inflation, tax implications and social security?

400

Single 45 years old. Dave Ramsey follow that is baby step 2. Stopped contributing to their 401k at work. They have an inactive 401k ($75k) from a previous employer that is just sitting there and they are not sure what to do with it since they are supposed to be working on the debt snowball. 

Recap. I would strongly recommend meeting with our Smart Vestor Pro John. Even though you are currently working the debt snowball, Dave Ramsey recommends meeting with an advisor to optimize any existing retirement accounts that you have. John will make sure that your money continues to work hard for you while you are getting out of baby step 2. 

400

What is a credential that you have to make sure that an advisor has before setting a Dave Ramsey appointment?

They have to be a Smart Vestor Pro. 

500
I only want a fee based advisor.

That's great. We are a fee based advising firm. The initial consolation with an advisor is no cost, so you can learn more about our recommendations. During that consolation you'll review the exact fees with the advisor depending on the services that you are looking for. 

500

I really want to be able to retire in the near future but I don't know how to go about it. 

What are some steps that you've taken to prepare for retirement? What kind of retirement do you incision and do you have a specific lifestyle goal you wants to achieve? What concerns do you have about not being able to reach your retirement goal?

500

Married. 37 years old. They have multiple investment accounts in different places and don't have a clear picture on how their investments are working. They have worked with advisors in the past but haven't found one that is a good fit long term. They have $200k in portfolio mostly in IRAs and previous 401ks. 

Recap. I would strongly recommend meeting with our advisor John. He will make sure that you get a holistic review of your portfolio to align your investments into a unified plan. That way you can be confident and have peace of mind that your investments are working together to capitalize on an opportunities through a balanced and diversified portfolio. Can also mention Fiduciary status. 

500

What are the four categories of the conversation style we follow? 

Goal, Strategy, Time, $ (money).