Norton
Financial
Consultants
165 Main Street, Suite 206-A
Medway, MA 02053
Royal
Palm
Financial
Center
759 SW Federal Highway, Suite 201-G
Stuart, FL 34994
Ph:
(508)
429-7000
|
Fax:
(508)
429-7409
www.nortonfinancial.com
165 Main Street, Suite 206–A, Medway MA 02053 | Royal Palm Financial Center, 759 SW Federal Highway, Suite 201–G, Stuart, FL 34994
Phone 508.429.7000 | Fax 508.429.7409 | www.nortonfinancial.com
Securities and advisory services offered through Commonwealth Financial Network,® Member FINRA/SIPC, a Registered Investment Adviser.
Advisory services offered through Norton
Financial Consultants, a Registered Investment Adviser, are separate and unrelated to Commonwealth. Fixed insurance products and services are separate from and not offered through
Commonwealth Financial Network. Tax services offered through Norton Financial Consultants are separate and unrelated to Commonwealth.
AMKTG-1630-23864_03/22
TABLE OF CONTENTS
Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Advisory services
offered through Norton Financial Consultants, a Registered Investment Adviser, are separate and unrelated to Commonwealth. Fixed insurance products and
services are separate from and not offered through Commonwealth Financial Network. Tax services offered through Norton Financial Consultants are separate
and unrelated to Commonwealth.
.
AMKTG-1630-23864_03/22
About Our Firm ....................................................................................................................................................... 1
Introduction to Commonwealth ............................................................................................................................ 3
Services
Provided:
Levels
of
Service
....................................................................................................................... 4
Defining the Wealth Management Process.......................................................................................................... 5
Responsibilities of an Investment Professional .................................................................................................... 6
Firm Research Capabilities ......................................................................................................................................
7
Emotions
of
Investing
.............................................................................................................................................. 8
Where Do We Add Value? ...................................................................................................................................... 9
Ideal Wealth Management Client Profile ........................................................................................................... 10
165 Main Street, Suite 206–A, Medway MA 02053 | Royal Palm Financial Center, 759 SW Federal Highway, Suite 201–G, Stuart, FL 34994
Phone 508.429.7000 | Fax 508.429.7409 | www.nortonfinancial.com
ABOUT
OUR
FIRM
Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Advisory services
offered through Norton Financial Consultants, a Registered Investment Adviser, are separate and unrelated to Commonwealth. Fixed insurance products and
services are separate from and not offered through Commonwealth Financial Network. Tax services offered through Norton Financial Consultants are separate
and unrelated to Commonwealth.
AMKTG-1630-23864_03/22
Our
Vision
Our goals are to help protect and maintain the quality
of your financial life and legacy.
Our
Approach
We’re known for taking a conservative approach to
wealth management. We’ve built a reputation based on
sound judgment and prudent decision-making—values
that have helped so many of our clients protect their
existing assets and successfully pursue their goals.
The
Benefits
of
Independence
Our commitment to always putting your interests first
is evident in every aspect of our business. We’ve
chosen to partner with Commonwealth Financial
Network
®
, an independent broker/dealer with a
40-year history of focusing solely on the needs of its
affiliated advisors and the clients they serve. This
partnership means that we remain free to make
recommendations based solely on what’s right for
you, without bias or pressure to promote a particular
product or strategy—which is not the case with
some other types of financial advisors.
Services
We
Provide
•
Investment
management
•
Education planning
•
Business
succession
strategies
•
Post-retirement income planning
•
Insurance planning
•
Strategies for minimizing tax burdens
•
Estate
planning
•
Charitable giving strategies
•
Coordination with other professionals, such as
CPAs and attorneys, to ensure that everyone is
working toward common goals
Our
Principal
My goal is to provide you with
the expertise, sound judgment,
personalized service, and comfort
level you need to confidently
pursue your financial goals.
Christa Norton Canavan, ChFC,
®
is an advisor with more than
than 40 years of experience in the financial services
industry. She is the principal of Norton Financial
Consultants, an independent Registered Investment
Adviser firm established in 1982. Christa is
dedicated to providing the highest level of service to
her clients with her extensive financial background
and specializes in comprehensive financial planning,
tax strategy, wealth management, and investment
advisory services.
Christa is a graduate from the University of
Massachusetts Amherst School of Business
Management. She received the Chartered Financial
Consultant
®
(ChFC
®
) certification in 1989 from
The American College, Bryn Mawr, Pennsylvania.
Christa possesses a great deal of enthusiasm for helping
clients reach their financial goals and strives to gain
a clear understanding for each client’s unique set of
circumstances. She is committed to staying abreast of
changes in the markets, regulations, investment
managers, and financial products to provide the very
best service to her clients. Her strongest attribute is her
ability to navigate complex financial issues to create a
personalized wealth management strategy for her
clients. Passionate about the financial confidence that a
thoughtful approach to planning can provide, Christa
works with like-minded individuals balancing multiple
and competing priorities, such as retirement planning,
education funding, protection, and lifestyle goals.
Christa is the mother of three daughters. In her spare
time, she enjoys volunteering in her community,
golfing, boating, gardening, and spending time with
her family and friends. She is a former member of her
church parish finance council having served a 10-year
term, and is committed to organizations and projects
that promote affordable housing resources, especially
for women and families.
165 Main Street, Suite 206–A, Medway MA 02053 | Royal Palm Financial Center, 759 SW Federal Highway, Suite 201–G, Stuart, FL 34994
Phone 508.429.7000 | Fax 508.429.7409 | www.nortonfinancial.com
1
Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Advisory services
offered through Norton Financial Consultants, a Registered Investment Adviser, are separate and unrelated to Commonwealth. Fixed insurance products and
services are separate from and not offered through Commonwealth Financial Network. Tax services offered through Norton Financial Consultants are separate
and unrelated to Commonwealth.
AMKTG-1630-23864_03/22
ABOUT OUR FIRM
continued
Our
Philosophy
Building long-term relationships is our priority at
Norton Financial Consultants. We start the journey
by taking the time to listen to and to understand each
of our clients personally. Together, we carefully chart a
course to pursue financial success. We believe in using
prudent investment strategies. Since 1982, our clients
have looked to us for direction. We are dedicated to
guiding and sustaining our clients’ financial direction.
Norton Financial Consultants (NFC) is an
independent financial planning firm. We assist our
clients in the fulfillment of their financial planning
objectives by taking a step-by-step approach to wealth
management. We complete extensive data gathering to
understand your current financial position and your
financial goals and objectives. We prepare and present
a financial plan tailored to your specific situation and
needs and we follow through the implementation
process to be sure our suggestions and
recommendations are put into action. Together, we
will go through a comprehensive process for managing
your financial life and creating a long term plan
customized to your needs.
NFC subscribes to the belief that ideas are not enough
and considers the plan implementation essential.
Our position as an independent financial planning
firm allows us to coordinate efforts with your existing
advisors. Once the plan is established, careful
monitoring and periodic review is necessary to keep
the plan in harmony with your continuing goals
and objectives.
We offer you an environment where you can
feel confident that:
•
You can expect prompt replies from us to your
directions or inquiries.
•
Your money is working toward your
goals effectively.
•
Your wishes and opinions will be respected.
•
Your needs are taken into account.
•
Your investments are recommended because
they are best for you.
•
You have access to independent research and
information to help you make informed decisions.
Providing financial planning and wealth management
services for over two decades has shown that this
simple-yet-tailored approach has helped us guide our
clients to pursue their goals and has produced many
rewarding relationships along the way.
Norton
Financial
Consultants
will:
•
Get to know you, your dreams, your goals, and
your performance expectations
•
Educate you on the options available to pursue
your goals
•
Make investment decisions with you, not for you
•
Provide periodic updates on the performance of
your investments to ensure that you are arriving
at your benchmarks and goals
•
Remain in contact with you throughout our
relationship and encourage you to contact us to
discuss any change in your goals or other factors
that may impact your investment decisions
165 Main Street, Suite 206–A, Medway MA 02053 | Royal Palm Financial Center, 759 SW Federal Highway, Suite 201–G, Stuart, FL 34994
Phone 508.429.7000 | Fax 508.429.7409 | www.nortonfinancial.com
2
INTRODUCTION TO COMMONWEALTH
Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Advisory services
offered through Norton Financial Consultants, a Registered Investment Adviser, are separate and unrelated to Commonwealth. Fixed insurance products and
services are separate from and not offered through Commonwealth Financial Network. Tax services offered through Norton Financial Consultants are separate
and unrelated to Commonwealth.
.
AMKTG-1630-23864_03/22
Just as you’re free to choose the advisor you believe
is best suited to help you meet your objectives, our
firm benefits from the same freedom in selecting a
firm to help us serve you. The partner we chose to
help us help you pursue your goals is Commonwealth
Financial Network,
®
the largest privately held Registered
Investment Adviser–independent broker/dealer in the
country, with more than $161 billion in total assets*
and approximately 1,950 affiliated advisors.*
As a 100-percent management-owned firm,
Commonwealth is not beholden to shareholders, stock
prices, or a parent company. The firm can focus on a
much longer time horizon than a public firm can and
is free to invest in the kind of infrastructure, scale, and
support that helps us maintain our own independent
status—and allows us to focus exclusively on what
benefits you most.
The client-centric values we share with Commonwealth,
coupled with the firm’s continually expanding resources,
mean we’re all working toward the same goal: to
provide you with the exceptional guidance, products,
and service you want and deserve. This includes:
•
Investment choice. Commonwealth offers us
robust, independent market research and a wide
universe of third-party investment options—from
individual stocks and bonds to mutual funds,
exchange-traded funds, alternative investments,
managed accounts, and retirement plans. Our access
to Commonwealth’s expert, impartial guidance
and a diverse range of products helps ensure that
we remain free to operate in your best interest
and to make recommendations based on your
financial objectives, personal investment style,
and risk tolerance—without pressure to promote
proprietary products or strategies.
•
Responsive service. Commonwealth’s business
model centers on delivering indispensable service
at every level of the organization—so that we, in
turn, can do the same for you. The firm’s 2.1:1
advisor-to-staff ratio* is one of the best in the industry,
which means that Commonwealth staff members
stand ready to respond to our needs promptly and
execute transactions quickly and efficiently.
•
Integrated technology. Commonwealth’s
technology platform gives us a truly comprehensive
view of your complete financial life, all in one
place. This enables us to efficiently and easily
review your financial situation, make updates and
changes, and keep you apprised of your status
through user-friendly web-based systems. A client
portal allows you to see much of the same
information we see online.
•
Breadth of expertise. Commonwealth’s team
includes more than 45 staff with CFA
®
, CFP,
®
ChFC
®
, and JD credentials, as well as niche-qualified
specialists with experience spanning estate planning,
taxation, risk management, business planning, and
retirement planning. So however complex your
needs, we can tap into the capabilities of some of
the most knowledgeable people in the industry to
provide solutions that align with your goals.
•
Access to top management. Commonwealth
delivers the scale and breadth of resources that
are typically available at bigger, publicly held
firms—but with more personal service. The firm’s
uncommon approach gives us regular access to its
12 managing partners, who have an average tenure
of 25 years. Access to this depth of knowledge
translates into better, faster, more informed
decisions for you.
•
Business consulting. Commonwealth offers us
complimentary in-house support to help us optimize
our efficiency and ensure that our business model
enables us to most effectively respond to your needs.
•
Compliance support. We also benefit from
legal and regulatory guidance to help us ensure
that your investments—and our firm’s business
practices—are in compliance with the industry’s
myriad rules and regulations.
These are just a few of the ways the firm goes above and
beyond what most broker/dealers do, and why we feel
so strongly about our partnership with Commonwealth.
*As of December 31, 2018
Commonwealth is a member of the SIPC, which protects securities
customers of its
membership up to $500,000 (including $250,000 for
claims for cash). An explanatory
brochure is available on request or
at www.sipc.org.
165 Main Street, Suite 206-A, Medway, MA 02053 | Royal Palm Financial Center, 759 SW Federal Highway, Suite 201-G, Stuart, FL
34994 | Phone 508.429.7000 | Fax 508.429.7409 | www.nortonfinancial.com
3
Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Advisory services
offered through Norton Financial Consultants, a Registered Investment Adviser, are separate and unrelated to Commonwealth. Fixed insurance products and
services are separate from and not offered through Commonwealth Financial Network. Tax services offered through Norton Financial Consultants are separate
and unrelated to Commonwealth.
.
AMKTG-1630-23864_03/22
SERVICES PROVIDED: LEVELS OF SERVICE
Personal
Financial
Planning
A client-focused process tailored to help individuals set
financial goals, develop a financial road map, and
implement the necessary financial tools and strategies
to manage the basic stages of wealth management.
Supported by:
•
Personal Financial Planning
•
Investment Management Products (stocks, bonds
mutual funds, etc).
•
Insurance Planning and Products (term,
universal, variable life, health, long-term care, and
disability insurance)
•
Asset
Allocation
Services
•
Educational Programs
•
Tax-Sensitive Planning
•
Estate Planning Coordination Services
Business
Financial
Planning
A personalized approach to business owners focused
on developing objectives, strategies, and tactics to
achieve long-term financial results.
Supported by:
•
Employee Group Benefits
•
Executive Compensation Planning
•
Retirement Plan Services
•
Buy-Sell Agreement Analysis and Funding
•
Business
Succession
Planning
•
Estate Planning for the Closely Held Business
•
Strategic Planning
Multigenerational
Financial
Planning
A visionary approach designed to support the
accumulation, conservation, utilization, and transfer
of family wealth. These services are geared toward
higher-net-worth clients—executives, professionals,
or business owners.
Supported by:
•
Modern Portfolio Theory—Sophisticated Asset
Allocation Services
•
Wealth Transfer Techniques
•
Business Succession Consulting and Planning
•
Advanced Income and Estate Tax Advising
•
Charitable Giving Tools and Techniques
•
Financial Education Programs for the
Next Generation
165 Main Street, Suite 206-A, Medway, MA 02053 | Royal Palm Financial Center, 759 SW Federal Highway, Suite 201-G, Stuart, FL
34994 | Phone 508.429.7000 | Fax 508.429.7409 | www.nortonfinancial.com 4
DEFINING
THE
WEALTH
MANAGEMENT
PROCESS
Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Advisory services
offered through Norton Financial Consultants, a Registered Investment Adviser, are separate and unrelated to Commonwealth. Fixed insurance products and
services are separate from and not offered through Commonwealth Financial Network. Tax services offered through Norton Financial Consultants are separate
and unrelated to Commonwealth.
AMKTG-1630-23864_03/22
Intelligent investors often ask, “What is your
wealth management process?” When it comes
to managing our clients’ assets, we adhere to a
proven system.
Below is an overview of our six-step process.
•
Establish Client and Financial
Consultant Relationships
The goal here is to get to know you. We will ask you
for relevant financial data, assess your risk tolerance,
and determine your financial goals and needs. All
future decisions in the Wealth Management process
will stem from this information.
•
Gather Data
We will identify your principal needs and work with
you to prioritize both short- and long-term goals.
•
Analyze Current Positions
In an “observations meeting,” we will assess your
current accounts and policies, looking closely for
gaps or inconsistencies.
•
Present an Action Plan
Depending on your situation, we will draft a
financial plan that may include an Investment
Policy Statement, a thorough retirement income
plan, or a detailed action plan.
•
Implement
the
Plan
At this stage, we will make the investment decisions
on a product level: Which mutual funds should
you buy? Which insurance policy is best for you?
What sort of annuity fits best with your situation?
•
Ongoing
Review
and
Reporting
The final step in the Wealth Management process
involves the ongoing monitoring of your portfolio.
As time goes on, we will ensure that your assets
remain diversified and that your objectives stay on
track. Diversification does not assure a profit or
protect against a loss in declining markets.
165 Main Street, Suite 206–A, Medway MA 02053 | Royal Palm Financial Center, 759 SW Federal Highway, Suite 201–G,
Stuart, FL 34994 | Phone 508.429.7000 | Fax 508.429.7409 | www.nortonfinancial.com 5
RESPONSIBILITIES OF
AN INVESTMENT PROFESSIONAL
Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Advisory services
offered through Norton Financial Consultants, a Registered Investment Adviser, are separate and unrelated to Commonwealth. Fixed insurance products and
services are separate from and not offered through Commonwealth Financial Network. Tax services offered through Norton Financial Consultants are separate
and unrelated to Commonwealth.
.
AMKTG-1630-23864_03/22
As you are aware, our goal is to help you achieve your
financial objectives. But you may not be familiar with
the steps that go into meeting your goals and needs.
Despite the do-it-yourself websites and TV’s talking
heads advising you to buy and sell, the investment
management process is more complicated than ever
before. Products have become increasingly complex,
tax law continues to change, and portfolio strategies
must be designed for the 21st century. Our approach
to investing is designed to stay afloat in the changing
world of investment products and services, and our
wealth management process is designed to illustrate
the philosophies underlying our practice.
In brief, our responsibilities include:
Portfolio
Management
•
Understanding your investment goals
and objectives
•
Choosing an appropriate asset allocation strategy
designed to achieve your goals
•
Drafting an explicit, written investment proposal
and/or an investment policy statement consistent
with your goals and objectives
•
Screening and selecting appropriate money
managers, mutual funds, and other
investment vehicles
•
Implementing your portfolio
•
Monitoring your portfolio on an asset class level
•
Monitoring your portfolio on a fund-specific level
•
Monitoring the tax aspects of your portfolio and
underlying investments
•
Monitoring the activities of the overall
investment program
•
Rebalancing your portfolio in reaction to market
swings to maintain the original asset allocation
•
Goal Management
•
Balancing your risk tolerance with your
accumulation target
•
Continually assessing the market and asset classes
Relationship
Management
•
Managing the emotional swings associated
with investing
•
Uncovering your hidden emotions
regarding money
•
Ensuring the proper titling of assets
•
Conducting a beneficiary review
•
Monitoring the markets and allaying concerns
associated with economic trends
•
General account management
Many people do not realize that an investment
management process goes far deeper than selecting a
basket of mutual funds. You may not see the tangible
results of all that we do, but as long as you understand
all that goes on behind the scenes, you should gain
confidence that your wealth is securely invested.
165 Main Street, Suite 206–A, Medway MA 02053 | Royal Palm Financial Center, 759 SW Federal Highway, Suite 201–G,
Stuart, FL 34994 | Phone 508.429.7000 | Fax 508.429.7409 | www.nortonfinancial.com 6
FIRM RESEARCH CAPABILITIES
Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Advisory services
offered through Norton Financial Consultants, a Registered Investment Adviser, are separate and unrelated to Commonwealth. Fixed insurance products and
services are separate from and not offered through Commonwealth Financial Network. Tax services offered through Norton Financial Consultants are separate
and unrelated to Commonwealth.
AMKTG-1630-23864_03/22
Our access to institutional-quality research
helps us evaluate current and future positions
for
your portfolio.
The Commonwealth Research Package, available
to us through our broker/dealer, provides reports on
individual securities, such as equities and fixed income,
as well as economic and financial databases. We can
provide you with hundreds of investment ideas, asset
and sector allocations, earnings estimates, and overall
portfolio guidance.
Additionally, the independent companies providing this
research do not bring companies public, make markets
in any of the stocks they analyze, or advise companies
on mergers and acquisitions. Because these research firms
are not broker/dealers and do not underwrite initial
public offerings, you can feel confident that their analysis
is not driven by any hidden agenda.
165 Main Street, Suite 206–A, Medway MA 02053 | Royal Palm Financial Center, 759 SW Federal Highway, Suite 201–G, Stuart,
FL 34994 | Phone 508.429.7000 | Fax 508.429.7409 | www.nortonfinancial.com 7
Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Advisory services
offered through Norton Financial Consultants, a Registered Investment Adviser, are separate and unrelated to Commonwealth. Fixed insurance products and
services are separate from and not offered through Commonwealth Financial Network. Tax services offered through Norton Financial Consultants are separate
and unrelated to Commonwealth.
AMKTG-1630-23864_03/22
EMOTIONS OF INVESTING
Logic and emotion have never been a
perfect pairing. It is logical for investors to
stay focused on their long-term goals during
volatile markets, but emotionally it is very
difficult to follow this reasoning.
Emotional instincts, which may be valuable in certain
aspects of our lives, may contradict sound investment
decisions. The image below depicts the emotional
cycle relative to market changes.
When the market is doing well, investors are excited,
even blissful. This can be the riskiest time to invest,
however, because it may foster a “can’t lose” attitude
that strays from a disciplined investment approach.
During these times, it’s important to review and
rebalance as appropriate and stay focused on long-term
investment goals.
When the market is low, investors often feel defeated.
Although the market may be down, buying at this
time can offer investors a great opportunity to make
money. We all know the old adage that investors
should buy low and sell high, yet few investors take
advantage of down markets in this way. If it makes
sense for your risk tolerance and goals, we may take
advantage of market downturns.
Positive
Market
Performance
Negative
This hypothetical scenario is for illustrative purposes only and does not reflect actual market performance, nor is it a prediction of future market
conditions.
165 Main Street, Suite 206–A, Medway MA 02053 | Royal Palm Financial Center, 759 SW Federal Highway, Suite 201–G, Stuart, FL 34994
Phone 508.429.7000 | Fax 508.429.7409 | www.nortonfinancial.com
8
to
Money
Time
Hopeful
Defeated
WHERE
DO
WE
ADD
VALUE?
Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Advisory services
offered through Norton Financial Consultants, a Registered Investment Adviser, are separate and unrelated to Commonwealth. Fixed insurance products and
services are separate from and not offered through Commonwealth Financial Network. Tax services offered through Norton Financial Consultants are separate
and unrelated to Commonwealth.
AMKTG-1630-23864_03/22
With so many professionals, corporations, and
even websites offering investment advice, it’s easy
to get confused by the array of services, products,
and plans. Prospective clients often ask us,
“Where do you add value? What distinguishes you
from the pack?” What follows is a brief response
designed to assure you that partnering with our
firm could be among the wisest decisions you
ever make.
There are literally hundreds of thousands of people in
the field of financial services who act as investment
advisors, managing a client’s portfolio for a fee or
earning commissions on trades. But few of them ever
consider doing anything beyond investments. We
believe that we can offer superior investment guidance
while providing something more—comprehensive
wealth management.
Our approach to planning is carefully designed for our
clients. Our planning services are as unique and
diverse as the clients we serve. Because there is no
cookie-cutter solution when it comes to managing our
clients’ financial futures, we stock our shelves with the
finest financial ingredients and cook up customized
solutions that leave our clients calling for seconds. The
cooking analogy aside, we partner with our clients to
help make their goals a reality—preserving their wealth,
preparing for tomorrow, and putting it all together.
As stated above, accumulation of assets is just one
of several areas that we focus on. We also provide
expertise in retirement planning, estate planning,
risk management, taxation, business planning, and
asset allocation. This commitment to a life planning
approach makes financial planning personal and
addresses specific individual needs.
We employ a dynamic educational process that allows
clients to visualize their personal goals and model the
financial consequences of their choices. We rely on
state-of-the-art software to plan and illustrate our
strategies. We have partnerships with CPAs, attorneys,
and other professionals dedicated to working as a team
to meet all aspects of our clients’ needs.
Most important—what separates our firm from the
others—are the relationships we develop with our
clients. We built our firm based on the fundamental
elements of mutual trust, honesty, and respect, which
helps us better strive to help make your goals a reality.
165 Main Street, Suite 206–A, Medway MA 02053 | Royal Palm Financial Center, 759 SW Federal Highway, Suite 201–G, Stuart, FL 34994
Phone 508.429.7000 | Fax 508.429.7409 | www.nortonfinancial.com
9
IDEAL WEALTH
MANAGEMENT
CLIENT
PROFILE
Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Advisory services
offered through Norton Financial Consultants, a Registered Investment Adviser, are separate and unrelated to Commonwealth. Fixed insurance products and
services are separate from and not offered through Commonwealth Financial Network. Tax services offered through Norton Financial Consultants are separate
and unrelated to Commonwealth.
.
AMKTG-1630-23864_03/22
We work best with individuals in a variety of complex
financial situations, including:
•
Individuals and couples approaching retirement
•
Financially independent individuals
•
Successful small business owners
But we won’t work with just anyone who falls into
these categories. We want to work with people
whose needs match the services we offer. Our ideal
clients are:
•
People who are looking for something
beyond investment guidance.
We offer much
more than an asset allocation scheme suitable to
your risk tolerance level.
•
People who are looking for and require
total wealth management. Our clients look
to us for guidance regarding taxation and for help
with estate planning, insurance products, and
retirement planning.
•
People who are willing to consider multiple
product lines. Our best clients are those who are
open-minded. It is not uncommon for them to
come to us for investment guidance, only to realize
that they would benefit more from an insurance
product suitable for transferring risk.
•
People who can see beyond the present.
Clients who are looking ahead can benefit most
from our range of services. These clients ask for
our help, for example, with college planning,
business succession planning, transferring wealth
with the least amount of taxes, or writing a health
care proxy.
•
People who need to work with a network
of financial professionals. Our clients trust
us to assemble a winning team—estate planning
attorneys, accountants, taxation specialists, and
business consultants—to meet long-term
financial goals.
•
People who are looking for a trusted
relationship with a financial professional.
Our clients have sought out a trusted professional to
help them pursue financial goals. We can help you
resolve most of your wealth management concerns.
•
People who are not afraid to ask what they
believe to be “foolish questions.”
The cliché
that there is no such thing as a dumb question is
especially true in the world of financial planning.
We strive to educate clients about our process and
about the products we select, and we will always
answer any questions.
•
People who believe that their financial
affairs can always get better and who trust
us to help them pursue their goals.
Our best
clients are intelligent optimists who constantly
inspire us to do the best job that we can.
•
People who are eager to introduce our
practice to others. Our relationship with clients
gives them confidence about their current and
future financial situation, so they are eager to refer
our practice to individuals they care about.
165 Main Street, Suite 206–A, Medway MA 02053 | Royal Palm Financial Center, 759 SW Federal Highway, Suite 201–G, Stuart, FL 34994
Phone 508.429.7000 | Fax 508.429.7409 | www.nortonfinancial.com 10
