Frequently Asked Questions
Got a question? Get your answer! Below you'll find answers to the questions that we get asked the most about our firm, services and team.
Find the answers that you need - whether you are curious about what makes Guerra Financial different from other advisory firms, how our fees are structured or who will be your advisor.
We can meet both virtually or in person at our headquarters! As a client of the firm, all documents are going to be signed virtually using a secure system called DocuSign.
Ask yourself this question: If today you were diagnosed with an extremely rare illness, would you go find the best surgeon that's available? Or would you find the one that is the most convenient and just right around the corner?
The reality is that when it comes to protecting and growing our wealth, we believe that it is extremely critical that the people that we work with are the best to solve the problem at hand. This job of building wealth is not about convenience, and instead it's about quality.
It has become easier to get access to some of the top advisors in the country (just simply because of technology). As a growing firm, we currently receive clients and serve in all 50 states. Luckily, we are able to serve families no matter where they are in the world.
Most of our clients prefer to have the ability to have reviews on their overall financial strategies at hand from anywhere around the world. They don't want to be required to have to walk into an office to have a financial planning session with one of our wealth strategists. We've had meetings with clients at this point while they're lounging by the pool, traveling around Europe or even in our office!
At Guerra Financial, we are an independent firm with a team of over 35. To be able to serve our families like if we were a company with 250 employees, we work with a company called Advisor's Excel. They work with the top 500 advisors in the nation, including us, providing us assistance in our compliance & operations team.
It’s their job to keep us up to date with the laws and regulations in our industry. It’s our job to do what is best for you! All the companies that we partner with meet the fiduciary standards that we demand.
Our fees are calculated based on the assets we manage for you. The fee structure is based on an annual percentage of the assets you have invested with us. The fee only applies to the funds you have invested under our management. This way, you'll only be charged for the portion we actively handle for you.
The fee is paid on a monthly basis and is automatically deducted from the funds you have under our management. We refer to this deduction as the advisor fee. This convenient approach ensures that you don't have to worry about making manual payments or remembering due dates. It simplifies the process for you, and the fee is seamlessly paid from your account!
Our team understands the importance of having control over your finances. That's why our clients have full access to their funds through a reliable and secure custodian, Fidelity Investments.
With just a few taps on your smartphone, you can effortlessly manage your funds. Whether you use the user-friendly Fidelity mobile app or online platform, you get a comprehensive view of your account balance and detailed transaction history.
By logging in to the secure website, you can conveniently manage your funds, review statements, and access a range of financial tools.
But we understand that not everyone will want to withdraw or deposit funds themselves, we have an entire team here in our office that is ready to assist with any transaction you might need!
We have different portfolios that match up your specific situation. There are some clients that are driven more on the accumulation side because they are in their 40s, 50s, 60s. There are other clients that are driven more on the income side because they are in their 60s, 70s, within 10 years of retirement or already retired.
Whether you are focused on growth or income, the structure of your investments will vary depending on a few factors - such as your age, your time until retirement, and risk tolerance. Depending on the strategy we implement, changes can be made to your investments, usually on a weekly to monthly basis.
Every quarter we do a financial check-in. As your life changes, the investment strategies will change along the way!
We've come to understand over the years that working with people in the financial industry has become an extremely difficult process for people to feel comfortable with because of all the scams that are out there. Let's be honest, we've had so many situations around the country where people have been involved in scams and Ponzi schemes.
As much as the subject is a concern, we believe that it is extremely important to be completely transparent about the way our firm operates. The reason why we have seen stories of people who have lost all their money in Ponzi schemes like Bernie Madoff's is because of one clear problem: most people that worked with someone that was involved in this, the mistake that they made was that they actually handed their funds to the individual or the firm that was in front of them.
Instead, whenever anyone is working with a wealth management firm, the most important question you have to ask is: Where do you custody your clients' accounts? In other words, what company is going to be holding your money?
All of our clients' accounts are custodied at one of the largest wealth management firms in the entire country: Fidelity Investments. As a wealth management firm, every family that we serve has a completely custom tailored plan for their situation. Most of our clients look at us as their personal dietitians and not as a food wholesaler butcher.
All of our clients' accounts are held at Fidelity Investments. When you begin to work with our firm, you're going to be signing what's called a financial planning agreement with us. That you're hiring our firm as your financial advisors and wealth strategist. These documents that you'll be signing will allow our firm to only do two things:
Number one, it will allow us to give you personal financial guidance on every financial decision that you make here on out. And number two, it will allow us to do what's called active portfolio management for you, which is pretty much what you're paying us to do.
Remember, every client has an investment strategy that is personally designed at the initial stage of the construction of their financial plan. But our team will be doing regular check ups on your portfolio on a weekly basis to see what changes we may need to make according to market conditions.
At the end of the day, it is in our firm's best interest to play an active role in the performance of your funds, since our fees are tied directly to how well you're doing!
Now, the good news is that if tomorrow you decide that you would like to terminate the relationship with us, you have no permanent contract with us in any way. You have the right to contact Fidelity directly and ask them to remove us as your financial planners and wealth strategist.
Transferring your assets is a simple and straightforward process. Guerra Financial has a department dedicated to completing this task on your behalf. The only thing required from you is a complete recent statement of each account.
With that, you are able to transfer the funds and the securities that are moved in-kind where no existing positions need to be sold. What that means is that any Tesla, Apple or Google stock that you have that's going to be moved directly from the company that you have it into Fidelity Investments.
Our new business team is the one that's going to handle the seamless process where we will handle everything for you to make sure it goes as smooth as possible. Once the assets are transferred, you will sit down with one of our financial advisors to determine what strategies to put in place and your next steps. No matter the complexity of your situation, we are here for you!
Guerra Financial Group is a growing team of over 30 team members. We are organized in four different departments and communication is key in our firm.
Our departments can be contacted via a regular phone call, text message or email. You also have access to our website.
The first department that builds a relationship between you and us is our marketing department. Our Marketing department is responsible for all of the ongoing events that we have throughout the year and as well all of our learning classes. If you're ever interested in being part of any of these events, such as a dinner seminar, a special event for yourself or your friends of your loved ones, or attending one of our social gatherings, make sure that you contact our Marketing department, but you will also be receiving invitations from them directly via text message. The next step in this relationship is going to be with our New Relations team. This team is in charge of creating the first and second appointment directly with the advisor. These are really important visits and where the advisor and you can build that chemistry.
Going on, we have our New Business team. Our New Business team is responsible for the setting up and funding of any new accounts. This department will be in charge of anything that has to do with rollovers, technical questions, assisting the advisor and yourself with the strategies of your new accounts.
And then on, we have our Client Service team, also known as the Wealth Management team. This department is responsible for the ongoing relationship between you and the advisor, especially in providing you direct communication with our office and also any financial industry that applies to your portfolio, such as Fidelity, TD Ameritrade or again, any other accounts that we may be managing under our umbrella.
As I mentioned, communication is key - and we look forward to serving you!
At Guerra Financial, we take pride in having a full-team, comprehensive approach, meaning that you don't have one single advisor. We have a full team whose job is to help you create a customized financial plan to your situation, rather than having one single advisor to help you get to the point that working becomes an option, not an obligation.
How often can you meet with your financial advisor? Typically, we recommend our clients to meet on a quarterly basis to make sure that your financial plan is going according to the way that we created it. But things could happen to your your financial life or your personal life that might need your plan to be adjusted.
We are here to help you. And whenever you need us, we are here!
We work with people who are looking for guidance on financial changes and goals in their life. We have clients who are 20 years old and who are 85 years old, but our typical client is 55+ and approaching or already in retirement.
These families or individuals tend to have concerns like taxes, asset protection, estate planning and retirement planning. The families we work with have an income of 75,000 and above and maintain an emergency fund with savings of 25,000 or higher.
Even if you do not fit this description or if this is not the right time for you, maybe you are close to it! If your situation changes, we will always be available to help you structure your financial future in a way that makes sense to you.
Whenever we're meeting with a family, one of our biggest priorities is to focus on the personal lives of the people that we're in front of. Most financial planners and wealth advisors, they normally only pay attention to money. However, at Guerra Financial, we take a very different approach.
Our priority is not just to focus on money, but instead on the subjects that really matter in life, like our family, our freedom, our health, our hobbies, and most importantly, our faith. We've come to the realization that for us to be able to accomplish our personal goals in life, our finances have to align with our personal mission as well.
Here at Guerra Financial, we focus on five key areas... Number one, retirement planning. We've seen that most of our clients that are still working, and they want to get to the point that work becomes an option and it's not an obligation. But for this to occur, there needs to be a clearly built financial plan so that you don't run out of money just a few years after you retire.
The second is how do we maximize the investing performance of our accounts as most individuals are drastically underperforming and their money is not working as hard as it should be. The third area that we focus on is tax reduction strategies. Most accountants tell their clients how much money they owe to the IRS, but they're not creating proactive plans to help reduce the future expenses to the IRS. This is why we focus on tax strategy!
The fourth is something called asset protection planning. Over the years, we've seen that the wealthiest individuals in the world don't only focus on growing their wealth, but they also focus on how to protect it against all potential risks and liabilities. This is why our firm has focused on building asset protection strategies for the families that we serve to protect against these types of risks.
And the fifth area that we focus on is something called legacy and estate planning. Most individuals will work from anywhere between 30, 40, maybe even 50 years. But there will come a point in time in our life where we're not going to be here. And the question is, how would I make sure that all of my assets are distributed according to my wishes? And not only that, but I want to make sure that the government will not step in there and make these decisions for my family.
As an independent wealth management firm, you can count on the fact that we will always give you recommendations that are in your best interest. We've seen that most of our clients have come from an environment that they have worked with a financial advisor that is called a captive advisor, and their responsibilities, many times, are to the companies that they represent and not to the actual client.... This is why we strongly encourage the families that we meet to always engage with something called a fiduciary firm!
In this video, our wealth strategist Jimmy answers the Frequently Asked Question: "What services do you offer and what is your process?" As a fractional family office, we exist to help manage the entire financial lives of the families that we serve, with the goal in mind to make work an option and not an obligation. We do this through creating customized financial strategies that really transform the way families retire!
We have a five phase process that allows all of the families we meet to go through to ensure that their financial lives are in fact perfectly prepared the way they need to be for them. These five phases include retirement income planning, investment management, tax minimization, asset protection, planning and estate planning.
Whether you have one or a few of those already created and set up, our fiduciary team does an audit in each phase to give you the peace of mind that you are exactly set up the way that you need to be.
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Encuentre las respuestas que necesita, ya sea que tenga curiosidad por saber qué diferencia a Guerra Financial de otras firmas de asesoría, cómo se estructuran nuestros honorarios o quién será su asesor.
Muchos de ustedes se preguntan si podemos trabajar virtualmente o se tiene que trabajar personalmente. La respuesta es como usted dice, toda la documentación puede ser firmada virtualmente. Servimos en todos los 50 estados de la Unión Americana. Lo único requerido es que usted tenga un número de seguro social. Tenemos clientes en Europa, en Sudamérica, que establecieron sus cuentas hace tiempo, hace muchos años, y seguimos trabajando personalmente o virtualmente hacemos las conferencias para que ellos puedan ver sus inversiones.
Tenemos clientes que nunca han estado en nuestra oficina y los atendemos también de la misma manera virtual. Así que usted no tiene por qué preocuparse si lo podemos hacer virtualmente o personalmente.
En Guerra Financial somos una empresa independiente con un equipo de más de 35 personas. Decidimos trabajar con una compañía llamada Advisors Excel para poder atender a nuestras familias como si fuéramos una empresa con 250 empleados. Ellos trabajan con las 500 principales asesores de la nación, incluyéndonos a nosotros, brindándonos asistencia en nuestro equipo de cumplimiento y operaciones. Es su trabajo mantenernos actualizados con las leyes y regulaciones de nuestra industria.
Todas las compañías con las que trabajamos nos aseguramos de que sigan los parámetros fiduciarios en las que confiamos. Es nuestro deber hacer lo mejor para ti.
Nuestras tarifas se calculan en función de los activos que administramos para usted. La estructura de tarifas se basa en un porcentaje anual de los activos que ha invertido con nosotros. La tarifa sólo se aplica a los fondos que ha invertido bajo nuestra administración. De esta manera, sólo le cobrará por la parte que manejamos activamente por usted.
La tarifa se paga mensualmente y se deduce automáticamente de los fondos que tiene bajo nuestra administración. Nos referimos a esta deducción cómo el Advisory Fee. Este enfoque conveniente garantiza que no tenga que preocuparse por realizar pagos manuales o recordar las fechas de vencimiento. Simplifica el proceso para usted y la tarifa se paga sin problemas desde su cuenta.
En este vídeo, nuestro fundador Mauro responde a la pregunta más frecuente: "¿Tengo disponibilidad y acceso a mis fondos?" Una de las cosas más importantes que tenemos en Guerra Financial es lo que nosotros hacemos como si fuera usted. Queremos que usted tenga el control completo de sus finanzas. Es decir, que tenga acceso muy importante y le vamos a dar total acceso para el manejo de su dinero.
Lo primero que tiene que entender es total acceso es a través de computadoras, a través de su celular, Personalmente, usted lo puede revisar o puede ir directamente a las compañías de inversión. La primera acceso total, cualquier sistema. Segundo, en su celular, usted saca su teléfono y accesa a la plataforma de inversiones. Sea cual fuere la compañía, para que tenga el control completo. Puede transferir dinero. Puede tener acceso a su mismo banco. Puede su banco transferir dinero Puede transferir dinero en la plataforma.
En este caso, usamos Fidelity para que usted pueda también tener el acceso a su dinero. Estas son las dos maneras más fáciles. Pero si también quiere algo más, su computadora también la puede estar utilizando. Usa su computador, entra directamente y puede tener control completo de sus finanzas. Guerra Financial hace todo este trabajo lo más fácil para que usted tenga acceso a tener su dinero en control, Qué es lo más importante.
Most of our clients prefer to have the ability to have reviews on their overall financial strategies at hand from anywhere around the world. They don't want to be required to have to walk into an office to have a financial planning session with one of our wealth strategists. We've had meetings with clients at this point while they're lounging by the pool, traveling around Europe or even in our office!
Tenemos diferentes carteras que se adaptan a su situación específica. Hay algunos clientes que se inclinan más por el lado de la jubilación porque tienen entre 40, 50 y 60 años y hay otros clientes que están más motivados por el lado de los ingresos porque tienen más de 60 años de edad. Y dentro de los últimos diez años los mejores se van a estar retirando.
Ya sea que esté enfocado en el crecimiento o en los ingresos, la estructura de sus inversiones obviamente variará dependiendo de algunos factores como su edad, el tiempo que le queda hasta la jubilación y la tolerancia de riesgo. Dependiendo la estrategia que implemente se pueden realizar cambios en sus inversiones, generalmente de forma semanal o mensual. Cada trimestre hacemos un chequeo financiero a medida de que cambie su vida las estrategias de inversión cambiarán a lo largo del camino.eck-in. As your life changes, the investment strategies will change along the way!
¿Cómo puede usted asegurarse de que nuestra firma algún día no cerrará de la noche a la mañana? ¿Que sea una pirámide para poderlo estafar a usted? Esa es una pregunta muy importante.
Primero, las cuentas quedarán abiertas a su nombre únicamente y con un custodio el más grande de los Estados Unidos: Fidelity Investments. Todas las cuentas estarán a su nombre.
Nuestro nombre sólo aparece para administrar y seguir sugerencias. A sus órdenes. Tercero, si por ejemplo, un nuevo cliente abre una nueva cuenta y no es el propietario, esto nos indica una bandera roja del por qué está pasando. Muchas instituciones financieras abren las cuentas a nombre de las instituciones, no a nombre suyo. Esta es una bandera roja de que hay algo que no está funcionando correctamente.
Nosotros somos sus asesores. Actuamos bajo sus órdenes consultadas y no por nuestra cuenta. Muy importante también. Y nosotros creamos una estrategia que usted seguirá de acuerdo a sus necesidades y su satisfacción.
Ustedes se preguntarán qué nivel de autoridad tenemos nosotros contra sus cuentas. Solamente nosotros tenemos la autoridad de poder cambiar las posiciones, no pedir dinero. Y si el dinero lo recibe, solamente lo puede recibir usted en la dirección que tiene en su cuenta. De la misma manera, sus fondos están asegurados a través de nuestra plataforma de Fidelity Investment, y usted firmará un compromiso de que nos ha contratado como sus asesores financieros para las estrategias de sus inversiones.
Estos documentos nos permitirán hacer dos cosas: Primero, darle consejos financieros de cómo manejar su portafolio. Y segundo, activamente manejar su portafolio para producir resultados. Para esto es lo que se nos paga. Cada cliente tiene una estrategia diseñada. Y esto significa que haremos cambios en su portafolio regularmente con su autorización. Al final del día, es el interés de nuestra compañía.
El poderlo ayudar a usted. Nuestros fines están atados a los rendimientos que usted pueda tener en su cuenta. Y usted tiene la autoridad. 24 horas al día para poder llamar a Fidelity y removerlos de la cuenta en el momento en que usted lo desee. Esto es todo lo que queremos que usted tenga siempre la libertad de poder manejar sus inversiones y entender que nosotros estamos para servirle.
En Guerra Financial tenemos un equipo que se especializa y se encarga de todas las transferencias de nuestros clientes. Es un proceso simple y muy fácil de iniciar. Lo único que necesitamos de nuestros clientes es el estado de cuenta más reciente para poder asegurarnos de que los fondos se transfieran apropiadamente.
Lo que nosotros llamamos “in kind” significa que los fondos pasan con las mismas posesiones a su nueva cuenta en Fidelity Investments y no tiene ningún evento taxable. Para planes de retiro se ejecuta un rollover que evita un evento taxable. Una vez transferidos los fondos, se reunirá con su asesor para tomar decisiones sobre su nuevo portafolio de inversiones personalizado.
Cada vez que nos reunimos con la familia, nuestra mayor prioridad es centrarnos en la vida personal de las personas que tenemos adelante.
La mayoría de los planificadores financieros y asesores de riqueza prestan atención sólo a su dinero. Aquí en Guerra Financial, adoptamos un enfoque muy diferente. Nuestra prioridad no es solamente enfocarnos en el dinero, sino en las metas que realmente importan en la vida, como la familia, la libertad, la salud, nuestros pasatiempos y lo que es más importante que nuestra fe.
Pero nos hemos dado cuenta de que para que podamos lograr nuestras metas personales en la vida, nuestras finanzas también deben alinearse con nuestra misión personal. Es por esto que aquí en Guerra Financial nos enfocamos en estas cinco áreas financieras Número uno Planificación de la jubilación. Hemos visto que la mayoría de nuestros clientes siguen trabajando, pero quieren llegar al punto de que el trabajo se convierta en una opción y no en una obligación.
Para que esto ocurra, debe haber un plan financiero. Claro, para que no se quede sin dinero unos años después de su jubilación. La segunda es cómo maximizamos el rendimiento de las inversiones de sus cuentas, ya que la mayoría de las personas tienen un rendimiento drásticamente bajo y su dinero no está funcionando tan bien como debería. La tercera área es sobre estrategias de reducción de impuestos.
La mayoría de los contadores les dicen constantemente a sus clientes cuánto le deben al IRS, pero no crean planes proactivos para reducir los gastos futuros del IRS. Por eso nos centramos en la estrategia fiscal. El 4.º es la planificación de protección de activos. A lo largo de los años hemos visto que las personas más ricas del mundo no solamente se enfocan en hacer crecer su riqueza, sino también en cómo protegerla contra todos los riesgos y responsabilidades potenciales.
Es por esto que nuestra firma se ha enfocado en construir estrategias de protección de activos para proteger contra estos riesgos. Y el 5.º es el legado y la planificación patrimonial. La mayoría de las personas trabajan entre 40 y 50 años a veces, pero llegará un momento en el tiempo de nuestra vida en que no vamos a estar aquí más.
¿La pregunta es cómo me aseguraría de que mis bienes se distribuyeran de acuerdo a mis deseos y que el gobierno intervenga y tome esas decisiones por mi familia como firma independiente de Administración de Patrimonio? Puede contar con el hecho de que siempre le daremos recomendaciones que sean de su mayor interés. Hemos visto que la mayoría de nuestros clientes provienen de un entorno en el que han trabajado con un asesor financiero que es un asesor cautivo y sus responsabilidades muchas veces son para las empresas a las que representan y no para el cliente.
Es por eso que estamos tan apasionados que cada familia que esté trabajando con un asesor financiero se compromete con la firma fiduciaria.
¿Usted se preguntará cómo lo podemos ayudar a usted a tener control? Pues bien, tenemos un proceso a través de Fidelity Direct. Significa que usted puede hacer llamadas telefónicas, averiguar cómo está su portafolio y nosotros creamos procesos alrededor de usted. No las inversiones. Es como escoger un médico por la cercanía de su casa y no por el profesionalismo. Somos una firma independiente y nos debemos a usted, no a las pólizas de una compañía.
No vendemos una compañía o las de nuestra lista. Estamos abiertos a escucharlo y a poderle aconsejar adecuadamente. Nos especializamos en preparación de su retiro, estrategias de reducciones de impuestos, planificación de sus inversiones. Cómo dejar un legado a su familia y, obviamente, cómo proteger su salud. En dado caso que usted se llegase a enfermar. Todas las áreas se resuelven en un solo “pot” o en un solo sentido.
Usted como familia, usted como cliente. Creemos en un plan financiero que cubre todas las áreas de su vida personal. Y lo revisamos cada tres meses. Por favor, mire los videos de cómo manejamos y administramos portafolios.
En Guerra Financial estamos muy orgullosos de ofrecer un equipo de asesoramiento. ¿Qué significa eso? Usted no va a depender de una sola persona para crear su plan financiero. Usted va a tener un equipo de asesoramiento de advisors, de asesores, creando su plan financiero. No importa que compleja sea su situación. Estamos aquí para ayudarles. Y ahora. ¿Cada cuánto nos podemos reunir?
Típicamente, los planes requieren que se revisen cada tres meses. Pero cosas en la vida pueden pasar que su plan financiero tiene que ser ajustado. Y siempre estamos aquí para ayudarle, para que sus metas sean logradas. Y para eso estamos acá.