Bear Mountain Capital
About
As we move through life, things tend to get more complicated. Our relationships, careers, finances all evolve into many moving parts. Often, after nailing down one part of life, another part can unexpectedly fall into disrepair.
When it comes to the financial part of our lives, it can get messy quick. We spend countless hours worrying. Questions crop up : Are we saving enough? Are we being smart about taxes? Are our investments well-managed? Do we have enough insurance? How should we think about our debt and loan commitments?
Our approach at Bear Mountain Capital breaks out into three phases: financial planning, investment management and comprehensive advice. These three phases cover all aspects of your financial life and help provide the clarity you need to feel at peace with your situation.
Working through the above issues is not rocket science. However, it does require time. We all know how precious a commodity time is. We spend our time helping you reclaim some of yours
Helping people is the best feeling for me.
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Frequently asked questions
What is your typical process for working with a new customer?
Before asking for any fees, I want to show you exactly how I can help you achieve your financial goals.
I'll take qualified prospective clients through 3 meetings: A Discovery, Planning, and Investment Meeting.
In the discovery meeting, we would talk about your concerns, goals, needs and resources.
In the planning meeting, we would walk through how you can reach your goals, how we plan for setbacks, and ways we can optimize your taxes.
In the investment meeting, we talk through how we build a portfolio to fit your needs and talk through tax-saving strategies.
At the end of these meetings, I'd answer all those nagging questions you have, and we'd agree before you make any decision, to go home and sleep on it.
After that, you have 3 choices: 1) Hire me as your advisor 2) Hire a different advisor 3) Decide to do it yourself.
Check out bearmountaincapital.com to get an in-depth overview of our process.
What education and/or training do you have that relates to your work?
I have my series 65 and will be working toward my CFP in the near future. I have my CPA and a Masters in Tax.
Do you have a standard pricing system for your services? If so, please share the details here.
We charge on an assets under management basis. It is a tiered structure:
1% from $0-500k.
.85% from 500k-2M
.7% from 2M-5M
.5% from 5M-15M
.35% over 15M
How did you get started in this business?
I spent the beginning of my career in public accounting and knew something was missing: I wasn't making a difference. That was my basis to getting into financial planning: I wanted to make a difference through helping people get a handle on their money. Dealing with your money can be difficult and time consuming, we save you time and make it easy and understandable by telling you exactly what you need to do.
I look at the whole picture for my clients: cash flow needs, work benefits, equity compensation, planning for children's college, tax planning, retirement planning, estate planing among many other things.
What types of customers have you worked with?
I've worked with a quite a range in clients, from retirees to recent college graduates. I primarily work with busy professionals approaching retirment and invididuals in retirement.
Describe a recent event you are fond of.
Successfuly helped a client during COVID deal with a concentrated stock position and the tax affects, and liquidate shares in tax-efficient way to get organized and buy a vacation home!
What advice would you give a customer looking to hire a pro in your area of expertise?
Work with someone you feel comfortable with!
What questions should customers think through before talking to pros about their needs?
Are your recommendations truly in my best interest?
Will your recommendations be primarily focused in one area, or will your recommendations be comprehensive in nature? In other words, will I need to find another advisor for advice in other areas?
Do you have the knowledge and experience necessary to successfully navigate the complicated financial planning and tax world to achieve my financial goals?
How many clients do you serve and how does their situation compare to mine?
How often will I hear from you?
What will be my total investment expense, how much will you be compensated and where can I see this in writing?
Will you help me solve any and all financial problems I may encounter?
Where do you keep my money and how can I see it?