We are a fee-only Registered Investment Advisory firm and we serve our clients as fiduciaries, meaning that we commit to always put our clients’ interests first. We don’t receive commissions or any other compensation for recommending certain investments or insurance products. We manage accounts with a keen eye to minimizing expenses and transaction costs. We work solely for our clients and have structured our firm to minimize conflicts of interest.
Because of the independent structure of the firm, we have the flexibility to use low-cost institutional class investment options and exchange traded funds when appropriate. We provide access to separate account managers and other high quality/low cost managers that are unavailable to individual investors.
Each client is unique with different objectives, entity structures, tax situations, and balance sheets. We seek to optimize investment results by building and managing customized solutions for each client.
Successful investing is based on after tax returns. Thus, tax efficiency is a key consideration in our asset allocation and investment selection processes as well as in our withdrawal strategies. Tax planning is a recurring theme throughout the entire financial planning process, from college and retirement savings to gifting and estate planning.
Everyone who works at Gatens Financial is an owner of the firm. Accountability and dependability are of utmost importance to us. This ensures first class service for our clients.
We collaborate with each client’s accountant, attorney and insurance professional to ensure coordination to develop strategies that are aligned with client objectives.