Frequently Asked Questions

Your initial consultation is complimentary. After completion of the consultation, we will review the costs of our products and services with you.

Depending on your specific situation, from 30 to 60 minutes.

Not everything here will be applicable to your specific situation, but it is best if you can bring as much information as possible.

• Existing financial statements (from banks, other investment accounts, retirement accounts, etc...)
• Insurance policy and/or statements (life insurance, long term care, disability)
• Recent pay stubs for you (and your spouse)
• Any personal budget information (e.g. assets and liabilities)

One of our advisors will take the time to get to know you, your current situation, and your personal & financial goals. We will uncover your past & current investment experience, time horizon, and risk tolerance. You can expect us to ask you detailed personal information and documentations to help us fully understand your specific situation. This information is essential to craft a plan best suited for you and your family.

If you have a clear vision in mind, our team can develop a plan that is effective and uniquely tailored to match your goals. Thus, you should consider a couple of things prior to the meeting:

• What do you wish to achieve financially and personally?
• How long do you have to achieve these goals?
• Are you and your family protected in the event of the unexpected?
• When are you planning to retire?
• What have you done to set aside for your children's education?
• What legal documents have you set up so far? Are they up to date?
• Will you be expecting any large purchases in the near future?

Our normal business hours for meetings are 9:00AM to 5:00PM, Monday through Friday, exceptions can be made if needed.

Typically, we conduct our review meetings on an annual basis and after a life changing event. It will all depend on your situation and preference.

Our average clients have over $500,000 of total Net Worth and we are focused on working with clients who are interested in long term financial planning. However we usually will discuss any minimum requirements during our initial meeting.

Yes, we will always take time to meet with someone you refer to us.

Please visit the Our Process and Our Approach page of our website.

Please visit the Products and Services page of our website.

Yes, we have several different strategies. We can explore each of these strategies to determine any additional risk or other considerations as part of your planning.

• Donate Appreciated Assets (like stocks or mutual funds)
  • Instead of selling an investment and paying capital gains tax, you can donate it directly to a qualified charity.
• Qualified Charitable Distributions (QCDs) from IRAs
  • If you’re 70½ or older, you can donate directly from your IRA to a charity (up to $100,000/year).
• Bunching Charitable Donations
  • If your deductions don’t exceed the standard deduction every year, you can “bunch” multiple years’ donations into one year to itemize and maximize tax benefits.
• Donor-Advised Funds (DAFs)
  • You contribute cash or appreciated assets into a DAF, get an immediate tax deduction, and then recommend grants to charities over time.
• Gifting to Individuals (Family/Friends)
  • Annual Gift Tax Exclusion
  • You can gift up to $19,000 per person (2025 limit) without using your lifetime gift/estate exemption.
• Paying Tuition or Medical Expenses Directly
  • Payments made directly to schools or medical providers don’t count toward the annual gift exclusion.
• 529 College Savings Plan Contributions
  • Contributions grow tax-free if used for qualified education expenses.
  • Some states also give state income tax deductions/credits for contributions.
  • You can “front-load” five years’ worth of gifts ($95,000 in 2025) into a 529 without gift tax consequences (if properly reported).

At Symmetry Financial Partners, all of our financial advisors are held to the fiduciary standard. In addition to the fiduciary standard, three of our financial advisors hold the Certified Financial Planner^® designation and are held to the rigorous requirements of that designation.

During the initial consultation, a Symmetry Financial Partners financial advisor will conduct a discovery interview to determine the minimum investment based on your long term goals and objectives.

The optimal time to take Social Security benefits is based on individual circumstances. You need to consider your financial goals, life expectancy, spouse’s benefits, health, legacy planning and the other income sources you have available. A financial advisor can review filing options with you to determine what best fits your situation. Please schedule an initial consultation with one of our financial partners to determine what is the best option based on your personal situation.