Plan for a Better Retirement.

Objective and practical advice to help you plan for the next chapter in your life.

 

 

Plan for a Better Retirement.

Objective and practical advice to help you plan for the next chapter in your life.

Special Notice Regarding COVID-19

With the recent concerns about the COVID-19 virus, we are no longer visiting with clients in person.  We will be glad to discuss your concerns on the phone or via web meeting.  Please call our office or click the button to the right to schedule a time.

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3 Things You Need to Know About Bear Markets
(and 4 things you can do right now)

In this Free Guide, we…

  • Define A Bear Market
  • Share 3 things you should know about them.
  • Offer 4 ideas you can use to improve your future.

What We Do...

Financial advice for regular, everyday people in Marietta, Parkersburg, and the rest of the Mid Ohio Valley

Many people expect a financial advisor to work only with the wealthy. But, there are a lot of other people out there who need sound advice.

Most of the people we work with are regular, middle-class folks who need some help in creating a better life.
 
We believe in:
  • A practical, common sense approach
  • Making advice available to everyone – there are no minimum account requirements.
  • Making advice affordable.

Plan For A Better Retirement

Our financial advisors use a practical approach to help you plan for retirement.  We aim to show you what is possible and help guide you to a better future. 

Here are some of the common questions we help our clients answer

  1. Am I saving enough to create the retirement I want?
  2. How can I use my savings to create a financially sound retirement, and not run out of money?
  3. What can I do to create a better retirement?
  4. How will my Social Security Benefits impact my retirement?

Retirement Planning Areas of Specialty

  • Retirement Income Planning
  • Social Security Income Planning
  • Creating an investment plan for your retirement savings to provide a growing income stream over time.

 

Goal Focused Investment Management

Investing is a function of your overall plan. Your portfolio serves as a way to help you achieve your most important goals. We manage your account based on your goals, income needs and your tolerance for the ups and downs of the investment markets..

What To Expect

Our financial advisors will provide the following:

  • Ongoing management of your allocation and individual investments
  • Accounting and tracking of transactions and performance.
  • Coordination of income streams or ongoing investments.
  • Guidance through the stressful day to day noise of the financial markets.
  • Quarterly Performance Reports.
  • Online access to your accounts at TD Ameritrade.

Placing Your Interests First

As a Certified Financial Planner™ Professional and financial advisor, we adhere to a fiduciary standard.  Stated simply, we put your interests ahead of our own.
 

We have taken steps to eliminate as many conflicts of interest in our business as possible.  There are no investment commissions. We do not receive any incentives to sell specific investment products. 

Our Fees

We believe a financial advisor should be upfront and transparent about how they do business.  At Fleming Watson, there are:

  • No commissions or sales incentives for investment products.
  • A transparent fee structure for planning and investment management.
There are no charges for our initial conversation.  We will clearly explain how we work with you and agree how we will structure our working relationship.  

Financial Planning

Our rate for financial planning services is $100/hour.  Often we will estimate the amount of time it takes for your project and quote you a flat fee.  

Asset Management Fees

(All Rates are annual, fees are calculated monthly, in arrears)
 First $150,000 – 1.2%
Next $100,000 – 1.0%
Next $250,000 – 0.8%
Thereafter – 0.6%
 
There are no minimum account size requirements.  Please see our disclosure document for additional information.

Frequently Asked Questions

A Fiduciary is someone who puts the interests of others ahead of their own.  In the financial industry not everyone is required to act in a fiduciary capacity.  Brokerage firms and insurance companies operate with a best interests standards which might conflict with what is best for their clients.

Fleming Watson Financial Advisors acts as a fiduciary.

As a registered investment advisory firm, we are legally bound to place our clients’ interest first, and act in the capacity of a fiduciary.  Likewise as a Certified Financial Planner Professional, Neal Watson has committed to placing the interests of his clients ahead of his own.

In the financial services industry, you will find a variety of initials following the names of many advisors.  This alphabet soup represents a number of professional designations relating to financial planning, investing and insurance. 

The CFP® Difference

The initials “CFP” stand for Certified Financial Planner Professional. CFP® pros are held to strict ethical standards to ensure financial planning recommendations are in your best interest.  A CFP® pro must meet specific specific requirements to earn the designation.  Fewer than 30% of financial professionals have met these requirements.  Neal earned his CFP® designation in 1999.

We believe in being completely transparent about the costs of doing business.  We clearly explain the fees charged for the services provided. 

Investment Management

For investment management services, our fees are based on the assets in our client accounts.   

Financial Planning

Often times, our clients engage us to do only planning work which does not include managing a portfolio.  For those clients, we work with them on either an hourly basis or a flat fee basis.  (Our fee structure is explained in our disclosure document.) 

Commissions and Sales Incentives

Fleming Watson does not receive any commissions for the sale or recommendation of investment products.  We do not receive any benefits or incentives to recommend investment products to our clients.

 

Absolutely.  Technology is awesome, and allows us to do 21st century stuff, like virtual meetings.  

We are happy to sit down with you and discuss your situation in general terms.  We encourage you to ask questions so you can get to know us.  There is no charge for this meeting.

Once you decide you want to do business with us, we will ask for a lot of information.  The more details you provide, the better we can help you plan for your future.  Here is a list of common items we request:

  • Statements from any investment accounts, including retirement plans, IRA’s or other accounts.
  • A copy of your tax return.
  • A basic budget.
  • A list of any debts or other obligations.
  • A basic budget
  • Basic demographic information for you and your family members (names, dates of birth, etc.)
  • Social Security earnings statements (Click here to obtain your earnings record)
  • Pension statements

There may be other things we request after we discuss your situation in greater detail.

Our office is located at 512 Third Street in beautiful historic Marietta.  We are in a residential section between Washington and Wooster Streets. Our office is not the most accessible place.  So we are happy to meet with you in your home or somewhere of your choosing. 

Resources

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Meet Our Financial Advisors

We are a father and son team.  Jim began his career as a financial advisor in 1986.  Neal started his career as a financial advisor 1996.  And Neal earned his Certified Financial Planner™ designation in 1999.   Learn more about our team here.

Fleming Watson Financial Advisors