Our Methods and Commitments

We are a fee only fiduciary advisor group which means we do not earn a commission nor do we sell you any products.

OUR PROVEN 6 STEPS FOR YOUR FINANCIAL SUCCESS

01. Initial Meeting (Remote or in Person)

In this meeting, the objective is to discuss your current financial overview and future financial needs and goals. If you don’t know what your goals are, that’s fine! We have a lot of experience asking the right questions to help you identify what you are ultimately trying to achieve.

02. Understanding Your Risk Tolerance

We will go through a series of questions to help you understand the risks associated with your finances and work to quantify your risk tolerance moving forward. The client’s risk tolerance is important for the assumptions and recommendations made in the financial planning process.

03. Gathering Data

In this step, we will identify and work with you to gather all pertinent financial data necessary for providing us with the background to develop your plan.

04. Comprehensive Analysis

Multiple extensive quantitative analyses are performed that incorporate your goals, risk tolerance, and all pertinent financial data to determine the optimal recommendations to help you achieve your financial goals.

05. Meeting To Discuss Recommendations

The important takeaway from this meeting is that the client UNDERSTAND in clear and straightforward terms, everything discussed in the meeting and in the written financial plans provided. We discuss any changes or feedback from the client and make sure that we have met your expectations for the final financial plan.

06. Follow Up Meeting

On a regular basis, we will check in with you to discuss progress towards your financial goals, potential modifications to the plan and to update you on any new developments or recommendations.

Fiduciary

It is important to understand that all Financial Advisors employed by COMEL Financial are Certified Financial Planners ™ who have not only taken an oath, but are also legally bound to act in the best financial interests of our clients. This is something we take seriously and provide each client with a signed contract noting as such.

Confidential

Our clients lead private lives and we will keep it that way. As part of our contract with all clients, we sign a confidentiality agreement so you can rest assured your financial, personal, and other private information and documentation will not be shared outside of COMEL Financial for any purposes.

Transparent

We know that at the end of the day, implementing a plan means you not only need to understand it, but you need to be willing to fully commit to the plan. We know that if a client fully understands their plan it is easier for them to be engaged and committed to it. We pride ourselves in our approach to ensure each client understands their specific plan and we will take the time any day, any time, to answer any question you may have.

We make ourselves available to you for any questions or concerns and believe us when we say that we really enjoy talking about financial planning, so it is not a burden on us!

Fee Based

Our fee structure can’t be emphasized enough. We are a fee only firm which means we do not make money on commissions selling you financial products. Our fees are based on the time and effort we put into delivering clients the personalized service they deserve.

What others say

COMEL Financial helped me to navigate a confusing and potentially costly situation identified by my CPA. If it wasn’t for COMEL coming up with a plan and explaining the way to implement it, I would have had to deal with a headache of paperwork and fees.

Jason E.

Colin has been helping me for many years. I appreciate the time he takes to carefully explain concepts to me and to ensure that I understand them. You can tell he really cares about his clients and their success

Seth T.

I was initially skeptical of what a financial planner could do for me and I started small with asking Colin to help me with a limited financial plan. When I saw the money he could help me to save and the clear plan he developed for me, I knew this is someone I could trust with managing some of my financial matters

Alicia R.