Personal Attention by the Owners
As Certified Financial Planner™ professionals, Al Osgood Jr. and/or Sr. will handle your business personally. We don’t sign you up and then turn you over to someone else. The father-son duo have a combined experience of more than 45 years with substantial educational qualifications. Want to know more about us? You can read more about our team or talk with our current clients to get a sense for our work ethic.
The only money that we receive is directly from our client. No commissions, no kickbacks. This distinguishing fact means we can provide truly unbiased conflict-free financial advice to our clients.
A Retainer Relationship that Benefits You
Our on-going retainer relationship is unique and based on a list of activities we will perform on an annual basis. This list includes all of the financial planning activities and investment management activities that are included in the relationship. We assign hours to each activity, which allows us to propose an annual fee. Many financial firms are focused on asset management only and charge based on a percentage of assets managed. Many times, retainer fees are less expensive and include both investment management and comprehensive financial planning services.
We See the Bigger Picture
At Financial Freedom, we make a great effort to see the whole picture. What makes you who you are? What are your major goals in life? What are your greatest fears when it comes to wealth management? Once we have an excellent sense of your personal and professional goals, we create a tailored plan to help meet your needs. Life is about more than money.
As Certified Financial Planner™ Professionals, We Hold Ourselves Accountable
Our hope is that clients see their relationship with Financial Freedom as an investment in and of itself. To show clients we’re more than an expense, we provide each client with an annual performance package. This package recaps the comprehensive financial planning we have provided during the year. Additionally, we compare a client’s actual portfolio returns to appropriate industry benchmarks. This performance package allows our clients to determine whether we have a win-win relationship that has, in fact, added value.
Our Relationship with Fidelity Investments
As custodian of each client’s assets, Fidelity Investments offers a wonderfully open platform that allows us to implement our fee-only approach with ease. Fidelity’s platform allows us to buy almost any investment available; not only Fidelity funds. Given Fidelity’s open platform, in most cases, our clients own more non-Fidelity funds than Fidelity funds.
Each client has their own individual Fidelity accounts. With your approval, Financial Freedom will receive a copy of your monthly statement and can trade in your accounts on your behalf following your approval. As we manage your assets, we will always seek your approval prior to making any changes to your portfolio. Beware of companies that consolidate assets without client consent and only share investment results after the fact.
We Act as Fiduciaries
As registered investment advisors, we are required (and personally committed) to act as a fiduciary. This means we are always obligated to place your best interests first. Your success is our success. Learn more about our fee-only model >
We’ve Been Checked Out
Paladin Registry is an independent organization dedicated to helping investors identify quality financial professionals. Paladin vets, validates, and documents the quality of advisor ethics, business practices, and services to determine eligibility for the Registry. Paladin has provided Allen A. Osgood with their highest 5 Star FADD™ (Financial Advisor Due Diligence) Certification. View our profile on the Paladin Registry >
Financial Planning for Your Children
In addition to having an on-going relationship with you, in many cases we also provide guidance and assistance to our client’s children as they become teenagers and beyond. We have found that guidance and discussions with a financial planner will be an important ingredient in helping children (younger or older) achieve their financial goals and objectives. We normally provide this financial planning guidance to our client’s children at no additional fee.