SERVICES
Financial Planning ~ Estate Planning
Life Insurance - Retirement Planning ~ Investment Management
No-Nonsense Planning, Straightforward Solutions
- Stoneridge Financial Advisers provides a wide range of independent planning and life insurance services to individuals, families, and businesses.
- We believe that a needs based approach to financial planning, retirement planning, life insurance, and investment management that focuses on what is most important to you, the client, is the best approach.
- SFA uses a no nonsense approach based on one-on-one client discussions.
- Planning through a multi-disciplinary practice that blends estate planning, tax planning, financial planning, life insurance, and investment management skills, provides a distinctive seamless focus that often saves clients time, money, and frustration.
- Our fees are among the most flexible available. Because Lorin Castleman is licensed as an investment adviser representative, a general securities representative and a Life Insurance Agent, SFA can offer planning that is "fee only" or commission based. Which is best for the client? It all depends on the particular client's needs and goals.
- For estate planning and financial planning "fee only" accounts that do not include investment management, our services can be provided on a flat fee or an hourly basis.
- For investment management accounts our fees are usually determined on a "wrap fee" basis. Our "wrap fee" is one comprehensive fee that includes all account related administrative, management, and trading fees. A "wrap fee" usually ranges from 1.36% to 2.49% per year of the value of the assets in the account, depending on the amount under management and the investment style selected. SMA accounts require a minimum initial investment of $25,000.
- If a client's planning needs involve annuities, variable annuities, life insurance, REITs, or other alternative investments, the client usually pays nothing out of pocket, because the investment products are commissioned based.
- SFA has no bias toward one type of fee or the other. In the end, the type of fee depends upon the program that is ultimately selected by the client.
