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FAQ’s

Working with Me

Why should I hire you as my financial adviser?

I have over 20 years of experience helping people with their financial strategies, and my client retention rate is 98%. One of my goals is to make things as simple and understandable as possible. I will deliver a clear plan to help you achieve your goals. Additionally, life changes right before your eyes. We will review your plan regularly to ensure it continues to align with your needs. How do I differ from other financial advisors? I have a process to call you consistently at least twice per year. You will proactively hear from me, and I am here to chat any other time you need. I am reachable and approachable. No question is a stupid question in my firm.

What's your investment philosophy?

My goal is to help you meet your goals. Typically most of my clients are looking to save and protect their assets which leads to a more conservative approach. However, everyone has their own unique situation, and I adapt to your comfort level (while challenging you to stretch your thinking with “what if” scenarios).

Is there a cost for an initial meeting?

Never. There are no fees until you decide to work with me. Thereafter, the investment advisory fee is a percentage of assets.

How do you get paid as my financial adviser?

The investment advisory fee is a percentage of the assets that I manage. We don’t use an invoicing model. The fee is automatically withdrawn from your accounts on a quarterly basis. For example, if the fee is 1%, 25 basis points will be withdrawn each quarter.

What services do you provide?

I specialize in wealth management (i.e. retirement savings, education funding, retirement distribution, legacy planning) and asset protection strategies (i.e. disability, life, and long-term care insurance). Within Financial Designs I can also help connect you to a trusted CPA and estate attorney. One of the benefits of working with our team is that we are all in the same location, working towards the same goals.

How do you communicate with me?

First and foremost you can call or email anytime. Given life changes at sometimes a rapid rate, I will formally request to meet twice a year to review your plan and overall needs. It’s up to you on whether you want to schedule that meeting.

What do I bring to our first meeting?

1) Any current investments, and 2) financial questions that keep you up at night.

Accounts/Statements/Logins

Where do I go to see my account information?

CLIENT PORTAL: This is your financial planning site. This system allows you to access your complete financial picture. You can see account balances for the accounts I manage, and you can pull in accounts that you might have in other places (i.e. checking, money market, credit cards, etc.) You can also use this portal to track insurance policies, important financial paperwork, and build long-term projections any time you want. You can get almost all your statements here (besides American Funds).

Login and Forgot Password Link: Click Here

CIRSTATEMENTS: Myth: despite the name, this is NOT where you get your statements. Go here to access details on individual accounts that I manage including the aggregate ROR (Rate of Return) and ROR at the account and individual investment level.

Login and Forgot Password Link: Click Here

AMERICAN FUNDS (529s & Directly Held Accounts):
Go here to retrieve the statements that are not found in your Client Portal.

Login and Forgot Password Link: Click Here

If you aren’t set-up in these systems or have questions, contact Blair.

How do I receive my statements and other mailings electronically?

It depends. Contact Blair to get direction on which sites need to be set-up to transition from paper to electronic communication. 

How can I contribute to my account?

For reoccurring contributions, we can set-up a process that automatically transfers the money. Contact Christy to do this.

If you want to make a one-time contribution, you can always write a check and send it to my office (please also notify us via email or a phone call so we can watch for it). Typically checks are made-out to NFS or American Funds. Contact Blair if you are not sure who to make-out the check to:

Attn: Noel Roach
11225 College Blvd., Suite 300
Overland Park, KS 66210

If your bank account is linked with us*, a one-time contribution can be done more quickly. Call Christy for more details.

*The linking process takes about a week.

How long will it take to transfer me cash?

It varies. If you have a bank account linked* with us, it usually takes 2-4 days. If you do not have a bank account linked with us, allow extra time for the check to be mailed (note: you can pay an extra fee to overnight the check)

NOTE – Trading ends at 3:30 EST each day.

*The linking process takes about a week.

Can I request transactions via email?

You can, but we have to follow-up verbally or in-person, so expect a call from me or my team!

I see a lot of different names on my statements. What is Cambridge? What is FDI?

Cambridge is our broker-dealer and asset management firm. Put simply, they provide the infrastructure to facilitate trading. FDI stands for “Financial Designs, Inc.” FDI is the formal name of my business.

Where do I find my tax documents?

It depends. Both Wealthscape and American Funds allow you to pull your tax documents from their websites. However, you can also contact Blair

CONTACT NOEL

(913) 951-3512

11225 College Blvd., Suite 300
Overland Park, KS 66210