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Yes, our advisors follow a fiduciary standard. Following a fiduciary standard means we have a duty of undivided loyalty to our clients and must deal fairly and honestly with them.

We take a wholistic approach to wealth and retirement planning. We go beyond the numbers to explore strategy and purpose. We invest deeply into the client relationship so we can understand our clients 'true wealth elements' (the things they value more than money) and it is these values that guide our practice throughout the relationship. In addition, to further support our clients core values, we offer planning enhancment programs ('Live It'. and 'Give It.') which are designed to ensure the retired chapters of our clients lives are their most fullfilled years yet!

While some firms may enlist a minimum level of investment, our initial meetings are used to determine if we align in terms of mindset. The clients who gain the most from our partnership are open to sharing, receiving advice and sticking to a plan.

As a client of Gentian you can expect to have support and guidance through every major transition in your life and all the times in between. We will work to uncover every opportunity that could improve your financial position and we will stay at the forefront of our field so you can have confidence in or ability to be proactive and steadfast in our recommendations. We are highly protective of our clients, serving them as we do members of our immediate family. In addition to our comprehensive financial planning practice, we offer health and wellness programs, social engagements, educational webinars, charitable programs and more because to us, this goes beyond money; we viscerally care for our clients and we work every day to ensure they are aware.

Meeting frequency will depend on your unique situation and geographic location. Generally speaking, review meetings take place on an annual or semi-annual basis and can be hosted virtually or in person. In addition, we create mulitple opporutnities each month to connect outside of scheduled meetings. This includes but is not limited to: newsletters, forums, weekly updates, and bi-weekly webinars as well as holiday, seasonal, social, charitible and community events.

Absolutely! Technology allows us to stay connected to our clients who we aren’t able to meet face-to-face.

No, there is no fee for the initial meeting or any meeting that takes place prior to us engaging as partners. It is vitally important to our team that we learn about you and your financial goals prior to engaging as partners. Sometimes this takes one in depth meeting, sometimes it takes more. We want to ensure all questions get addressed and that together, we agree a partnership would makes sense.

We primarily offer fee-based advisory services charging a flat fee based on a client's total assets under advisement. However, if deemed appropriate and in our client's best interest, we also provide commissioned brokerage services. Though our financial advisor provides clients with great care and recommendations, advisors only have a legal fiduciary obligation to advisory clients. In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part 2 as well as the client agreement. Services rendered will be dependent on applicable agreements.

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When they’re ready to start saving for retirement and looking at their comprehensive financial plan. We’ve built a team to help serve clients in all stages of life.

No, Gentian Financial does not hold custody over client assets. We utilize Raymond James Financial Services as our custodian and Broker Dealer.

Yes. Our investment committee meets quarterly to review the current investment environment and determine if any changes need to be made to our portfolios.

Financial Planning is the behavior which helps convert your dreams and goals into financial milestones and maps these goals against your current and future resources. Investment planning is part of your comprehensive financial plan but centers on the investing strategy which will help you meet your long and short term goals, such as retirement or buying a house. Having an investment plan will provide you with a sound strategy to follow and stick with, even when you see your investments fluctuate during a time of market volatility.

You have multiple options - if you've changed jobs or are retiring, rolling over your retirement assets to an IRA can be an excellent solution. It is a non-taxable event when done properly - and gives you access to a wide range of investments and the convenience of having consolidated your savings in a single location. In addition, flexible beneficiary designations may allow for the continued tax-deferred investing of inherited IRA assets. In addition to rolling over your 401(k) to an IRA, there are other options. Here is a brief look at all your options. For additional information and what is suitable for your particular situation, please consult us. 1. Leave money in your former employer's plan, if permitted Pro: May like the investments offered in the plan and may not have a fee for leaving it in the plan. Not a taxable event. 2. Roll over the assets to your new employer's plan, if one is available and it is permitted. Pro: Keeping it all together and larger sum of money working for you, not a taxable event Con: Not all employer plans accept rollovers. 3. Rollover to an IRA Pro: Likely more investment options, not a taxable event, consolidating accounts and locations Con: usually fee involved, potential termination fees 4. Cash out the account Con: A taxable event, loss of investing potential. Costly for young individuals under 59 ½; there is a penalty of 10% in addition to income taxes. Be sure to consider all of your available options and the applicable fees and features of each option before moving your retirement assets.

Everyone’s financial situation and goals are different. That’s why we take a comprehensive financial planning approach to help ensure you’re on the right path to being able to retire when you’d like.

The simplest answer here is that Financial Advisors assist in the accumulation stages of your wealth journey, whereas wealth managers and retirement planners possess highly specialized skills to help strategize and manage the complexities of distributing your assets during retirement.

Very Carefully! You want to make sure you are finding a true partner who can guide you through the complexities of retirement planning. We view our relationships as lifelong and hope our clients do as well.

Open Architecture means we have access to a wide array of investment options and aren’t limited to just what our broker dealer would like us to “sell”.

This will be based on your individual financial situation. We work with our clients to help maximize their retirement savings for the goals they have.

This will be based on your individual financial situation. We work with our clients to help maximize their retirement savings for the goals they have.

This will be based on your individual financial situation. We work with our clients to help maximize their retirement savings for the goals they have.

The primary purpose of insurance is to protect against risk. Specifically, insurance should mitigate financial loss by meeting financial liabilities and needs in the event of an accident, disability, or death.

Most people, throughout their lives, accumulate a substantial amount of assets that they own. Upon their death, these assets change title and are passed on to their heirs. Based on current estate tax laws, this transfer of assets is considered a taxable transaction.

In today’s robust investment marketplace, you do not need to wait to accumulate a significant nest egg before you create an investment strategy. Investment alternatives are available in many vehicles such as employer-sponsored 401(k)s, IRAs, and online brokerage accounts.

A Registered Investment Advisor (RIA) is a fiduciary who has a duty of undivided loyalty to his or her investment advisory clients and must deal fairly and honestly with them.