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FAQ’s2018-06-19T08:56:06-05:00
How do you pronounce CAISSA and what does it mean?2018-07-31T10:26:09-05:00

CAISSA, the Goddess of Chess, is pronounced “ky-suh.”

We are in the business of strategic wealth planning. We carefully think multiple steps ahead, not unlike how one would analyze and plan a move in chess.

Like chess, our clients have many financial pieces on their board of life. Some more valuable than others, but important none-the-less. We analyze and manage ALL of the financial pieces to strategize how to integrate and implement a plan that works for you and your unique situation. We act as personal chief financial officer, or CFO, so you don’t have to.

How does CAISSA act as my personal chief financial officer (CFO)?2018-07-31T10:30:18-05:00

We provide advice and oversight of your wealth that is based on the best interests of you and your unique situation. Our committed goals for our clients is that we will be as dedicated, if not more, to your financial plan than you are, our services will pay for themselves and we will torpedo proof your retirement plan.

Personal CFO: knowing, understanding, managing and implementing all the financial pieces on your board of life. Bringing them together in one consistent strategy.

What is a torpedo? What does torpedo proofing mean?2018-06-19T08:30:45-05:00

Retirement torpedoes are toxic events that impact your strategy and can devastate your retirement vision. Once that happens, you may have no choice but to work longer, take greater risk, or even adjust your lifestyle. The sooner torpedoes are acknowledged, the less adjusting you’ll have to do.

Do you sell any products?2018-07-31T10:25:18-05:00

No, we have NO PRODUCTS to sell.

As an RIA, CAISSA advises with fiduciary responsibility, meaning the best interest of our client MUST always come first and therefore all client strategies look a little different to fit their unique needs. We are fee-only so our value is in our process, not in a product!

What is a tranche?2018-07-10T13:42:01-05:00

Tranche
/tran(t)SH/
a portion of something, espeically money

For our clients, our tranches of income process is what connects the dots between the financial plan and the investment allocation. A tranche is a section of retirement cash flow that we strategize to match investments to so our clients will ALWAYS have cash flow to live and don’t need to worry when markets tumble.

 

 

I am going through a divorce, how can you help?2018-07-31T10:24:56-05:00

We work with people going through the stressful time of divorce to map out a path to a greater outcome. As a Certified Divorce Financial Analyst (CDFA), Kelly works with attorneys, mediators and directly with clients. We will analyze tax situations, project cash flows, strategize asset settlements and review documents.

CAISSA can work with one spouse or with both spouses together to come to a resolution that’s for the greater good of both parties.

I manage my own investments, will you provide just the financial plan?2018-07-10T13:15:56-05:00

Yes, we have several service levels available. We can run flat-fee financial plans that will also address asset allocation but will not detail out investment recommendations.

Please contact us for more information.

Will you advise on my portfolio without managing it for an hourly rate?2018-07-31T10:24:34-05:00

This is a service we do not provide. Our investment recommendations need to be diligently implemented and we rely on CAISSA only to do so.

What is the process to start having CAISSA manage my financial affairs?2018-07-31T10:24:18-05:00

We firmly believe in building relationships and that it must be a win-win for each party to work together. This is why our initial meetings are free with no obligations. Only then can trust be established.

BECOME A CLIENT

Introduction

Connection made by email, phone, social media, website or perhaps a friend or colleague. There is interest to have a conversation and learn a bit more.

Our Connection

A short conversation, perhaps by phone, to discuss your needs and visions, our services, and if there are synergies (are we a fit). There is intrigue to continue the conversation and meet in person.

Our relationships are always on an at-will basis. We will work together as long as there is value perceived by all.

Your Retirement Vision

A more in-depth discussion about how you see your retirement vision. What is working for you now, where might the gaps be, and how Caissa can help you with those areas. We will walk through a sample client so you can get a feel for what value you would be receiving and how your personal goals for retirement could be enhanced with our help.

Retain Us as Your Advisor

We believe a good relationship is built on setting expectations. We take the time to document all that you want Caissa to provide you and we review it with you annually to make sure we have met your expectations.

You can expect more from Caissa, and in turn you will get a fiercely loyal advocate on your side to walk through retirement with. We look forward to hearing from you

CONTACT CAISSA TODAY
How often do we meet and communicate?2018-07-31T10:23:59-05:00

Regular contact helps ensure that everyone is clear about your financial goals, risk tolerance and investment strategy. Depending on your preferred level of service, we may meet with you quarterly, bi-annually or annually. Conversations via phone and email between meetings are encouraged.

Do I have to pay for an initial meeting? What is the process to work with you?2018-07-31T10:22:36-05:00

There is no charge for the initial meeting. Our relationships are always on an at-will basis. We will work together as long as there is value perceived by all.

BECOME A CLIENT

Introduction

Connection made by email, phone, social media, website or perhaps a friend or colleague. There is interest to have a conversation and learn a bit more.

Our Connection

A short conversation, perhaps by phone, to discuss your needs and visions, our services, and if there are synergies (are we a fit). There is intrigue to continue the conversation and meet in person.

Our relationships are always on an at-will basis. We will work together as long as there is value perceived by all.

Your Retirement Vision

A more in-depth discussion about how you see your retirement vision. What is working for you now, where might the gaps be, and how Caissa can help you with those areas. We will walk through a sample client so you can get a feel for what value you would be receiving and how your personal goals for retirement could be enhanced with our help.

Retain Us as Your Advisor

We believe a good relationship is built on setting expectations. We take the time to document all that you want Caissa to provide you and we review it with you annually to make sure we have met your expectations.

You can expect more from Caissa, and in turn you will get a fiercely loyal advocate on your side to walk through retirement with. We look forward to hearing from you

CONTACT CAISSA TODAY
What happens if we aren’t a good fit?2018-06-19T08:35:11-05:00

There is no obligation – our relationships are always at-will.

How do you choose your investments?2018-07-31T10:19:29-05:00

We conduct intense due diligence to assemble the best portfolio managers who yield the most efficient returns. This is why our investment committee travels to vet each of our investment manager in-person before we start working with them.

While most clients will own very similar investments, they will own them in a different proportion. We analyze the investments to use and then buy them in an amount that fits your needs personally. No two client portfolios look alike.

Are all clients put in the same investment model?2018-07-31T10:19:05-05:00

No. We will assess your needs and goals through our financial planning and CAISSA’s tranches of income processes which drives us the right mix of investments specific to you.

How can we share sensitive information?2018-07-31T10:18:49-05:00

Data protection and safety is of the utmost concern at CAISSA. We use advanced encryption software to safely send and receive sensitive information. This allows our clients and colleagues to have bank-level secure access to their files and documents anywhere, anytime.

Can you transfer my accounts or how would that work?2018-07-31T10:18:31-05:00

We will work with you and help facilitate the transfer of your accounts to CAISSA, following up to make sure it gets done correctly. We monitor every share and every dollar throughout the process.

What is the difference between an RIA, broker and financial advisors?2018-07-31T10:17:44-05:00

A registered investment advisor (RIA) is a professional advisory firm that offers personalized financial advice to its clients, many of whom are affluent.

  • Many independent RIAs work with complex portfolios and address unique needs that require a highly customized level of investment management strategy and consultation.
  • Many independent RIAs are owned by the individual advisors who run them.
  • Many independent RIAs provide advice and services for a fee based on a percentage of the client’s assets.
  • RIA firms are registered with the Securities and Exchange Commission or state securities regulators, are subject to the Investment Advisers Act of 1940, and have a fiduciary duty to act in the best interest of their clients.
CAISSA uses Schwab for custodian, what does this mean?2018-07-31T10:16:31-05:00

CAISSA uses Charles Schwab to hold and safeguard clients’ assets. For many investors, this provides a reassuring system of checks and balances because your money is not held by the same person who advises you about how to invest it. The custodian holds your investments and acts as the gatekeeper to your assets. Charles Schwab has provided custodial services to independent financial advisors for more than 25 years.

How does CAISSA get paid?2018-07-31T10:15:59-05:00

We work on a fee-only type platform. This means that you pay a fee based on your investment value and we do not accept commissions.  Our goals are aligned with the clients’ to invest in the BEST investments and the most efficient fee level. We grow together.

What does CFP® mean? Are all financial planners certified?2018-07-31T10:12:53-05:00

Much like requiring a CPA to do your taxes, we believe only a CFP® should provide your financial plan. At CAISSA, ONLY CFP® professionals serve as wealth advisors.

No, not all advisors have earned their CERTIFIED FINANCIAL PLANNER™ designation.

Today more than ever, CERTIFIED FINANCIAL PLANNER™ professionals are an essential resource. From budgeting, to planning for retirement, to saving for education, to managing your taxes and your insurance coverage, “finance” doesn’t mean just one thing for most Americans – and “financial planning” means much more than just investing. Bringing all the pieces of your financial life together is a challenging task.

Although many professionals may call themselves “financial planners,” CFP® professionals have completed extensive training and experience requirements and are held to rigorous ethical standards. They understand all the complexities of the changing financial climate and will make recommendations in your best interest” (CFP.net).

CFP® professionals expand their knowledge and stay up-to-date on the latest information through mandatory continuing education courses. If the planner holds a financial planning designation or certification, you can check his background with the relevant professional organizations. To search for CFP® professionals, visit CFP.net or call 866-626-5115.

 

What are your minimums? Do you have a minimum investment value for your clients?2018-07-10T12:12:21-05:00

Our stand alone financial plans cost approximately $3,000 – $5,000. Our investment management minimum is $500,000 in assets under management and includes investment and financial planning.

What if I am scared about the diagnosis of my financial plan?2018-07-10T12:11:29-05:00

This is very common. Many people feel this way. However, by finding out the gaps sooner than later, you will be able to bridge them that much easier and faster.

We have worked with clients in many different situations, such as during job transitions, selling or buying a business, succession planning, nearing retirement, divorce or litigation settlements, current manager not advising holistically and many others.

We have the experience and expertise to help you develop a financial and investment plan that can help you maintain your desired lifestyle not only until retirement, but through retirement. If we see an issue or a torpedo lurking that might cause your plan to go off course, we will work with you to either change the strategy or implement a tool to fix it.

Do you provide tax or legal advice?2018-07-10T12:06:30-05:00

We do provide tax and estate strategies to educate client on their options and implement them with the help of the tax accountant and attorney.

We partner with your accountant and your attorney to draft tax strategies and estate plans and to make sure that your financial plan and investment mix are aligned with these strategies.

What else do you provide?2018-07-25T14:15:00-05:00

While we manage investments, we know they’re not the only area of your retirement plan that needs attention. That’s why we start with the financial plan.

Every financial planning client receives a personal plan integrating cash flows, taxes, net worth statements, and, in some cases, insurance analysis and estate plan reviews. Utilizing your financial plan as the driver, we back into a scenario of cash flows and investment allocations that provide for a very detailed investment strategy.

OUR

PHILOSOPHY

We know that successful financial planning requires an understanding of you and your unique situation. That’s why we provide unparalleled attention to you, the client, as we develop smart strategies to help you understand your finances and plan ten steps ahead. The day you start working with CAISSA is the day you stop worrying about your finances.

Investments are only as strong as the financial plan that directs them. That’s why our clients receive a personalized plan that integrates their whole financial picture and is updated regularly. Using this plan as the driver, we create a detailed torpedo-proof investment strategy that meets your goals and long-term plans.

As a fee-only investment firm, our motivation is simply to give you the best service possible.

Our expertise matched with our fierce loyalty to our clients’ prosperity is the reason clients stay with CAISSA long-term.

FINANCIAL PLANNING

“A prudent investment plan is only as strong as the financial plan that directs it”

Our CFP® team takes great pride in our approach to financial planning. We believe the financial plan is your essential guide that must be updated, reviewed and stressed tested continually. The value we bring to our clients is in our attention to detail, experience and the knowledge to not only think ahead, but to think outside of the box.

Your plan will begin with your cash flow and net worth pieces as well as assessing your investment structures and tax returns to generate your financial projection. We will then integrate and stress test potential retirement issues to be sure every aspect of your retirement vision is on track.

CAISSA’s financial planning process

Watch Video
Our CFP® team takes great pride in our approach to financial planning. Watch this video to learn how we develop, stress test and continually adjust your financial plan to make sure you’re on the right path.

Expect More…What makes Caissa different?

Watch Video
At CAISSA, our value is in our process. Learn how our Torpedo Proofing, tranches of income and investment due diligence set us apart from other advisors.

Connect

Click here to connect with a CAISSA Advisor

INVESTMENT MANAGEMENT

Our team of Investment Advisors’ philosophy is not one of frequent trading or timing markets, but instead focused on intense due diligence to assemble the best portfolio yielding the most efficient returns. We do this by going beyond the numbers and vetting each portfolio manager in person. Once your portfolio is assembled, we then lean into areas of opportunity or the asset classes where we feel will be rewarded.

Our role is also to provide discipline and help you avoid making emotional decisions, usually fueled by greed or fear, when it comes to your finances

We apply an investment allocation overlay to your portfolio called, CAISSA “Tranches of Income.” Our clients tell us this strategy helps remove the stress that comes with volatile markets because they always know, no matter what the market is doing, that they have enough cash flows available to provide a personal paycheck to get them through the next market dip while allowing for your other assets to revert to their true value instead of being sold in the time of crisis. It is this well thought out plan that will let you sleep better at night.

Why an Investment Advisor adds value

Watch Video
Letting emotions, particularly fear and greed, dictate your investment decisions can be harmful to your financial future. Learn how CAISSA’s thorough due diligence process helps clients avoid making impulsive decisions fueled by emotions.

Tranches of Income

Watch Video
Worried about your cash flows in retirement? Or about how your investment portfolio will react to market volatility? Watch this video to find out how CAISSA’s “Tranches of Income” strategy helps alleviate these concerns.

Connect

Click here to connect with a CAISSA Advisor

INSURANCE (DISABILITY, LIFE, LONG TERM CARE)

It is easy to lose track of the events in life that you “think” you are insured for assuming you’re “covered”, only to find out there was a gap in your coverage, just when you need it the most. We help find those gaps and fix them in advance.

We analyze your current disability, life and liability coverage looking for any gaps that may need to be fixed. We can also review your current legacy plan.

This process helps to prepare for the “what ifs” or unfortunate events, such as an accident or untimely death; allowing you to feel secure knowing you have a plan in place to maintain your lifestyle and protect the nest egg you’ve worked so hard to build.

Is your retirement vision ‘Torpedo Proof?’

Watch Video
You have a vision for your retirement, and there are usually torpedoes, or unpredictable financial events, lurking that may derail that vision. Learn how CAISSA finds and dismantles these torpedoes making your retirement vision “Torpedo Proof."

Connect

Click here to connect with a CAISSA Advisor

ESTATE PLANNING

An untimely death can be emotionally devastating. Providing your loved ones a plan to implement and a team beside them, can help remove unneeded stress.

You will receive a thorough review of what your current documents say (wills, trusts, healthcare directives, etc.) and a summary of things that may need updating. We will explain to you all the roles for people in your plan, things we have encountered in our experience, and make sure you fully understand what your estate plan is doing for you. We will provide you with tips and tools to help you navigate the digital world of assets.

We commonly see clients with detailed trusts that aren’t implemented properly. We work alongside your attorney to help you make sure it’s implemented, now and ongoing.

Your digital footprint – often missed in estate planning!

Watch Video
Your digital footprint – online accounts like banking log-ins, credit cards and bill pay – may leave you vulnerable to Identity theft or hacking at death. Learn about what you can do now to help plan for and reduce this risk.

Click here to request a sample financial plan

Learn More
Click here to request a sample financial plan

DIVORCE PLANNING

For anyone going through the stressful time of divorce, we can help. As a Certified Divorce Financial Analyst (CDFA), Kelly will analyze your tax situations, project cash flows and strategize asset settlements pre-divorce.

Caissa will also guide you post-divorce through everything from investment and cash flows management to updating and revoking old wills/beneficiaries.

Divorce can be a very stressful time as there are usually a lot of unknowns. We help illustrate all the “what-if” scenarios so you are better equipped to navigate your new path.

Connect

Click here to connect with a CAISSA Advisor

EXECUTIVE PLANS

We utilize our years of experience in dealing with CEOs of many large organizations to help you understand and manage your executive compensation plans. Often times people do not have the time to gain a full understanding of what their executive plans may mean to them. We will walk you through it and help you see its role in your overall financial picture.

A partial listing of plans we work with:

  • Employee stock ownership plans (ESOPs)
  • Stock option plans
  • Option grants
  • Non-qualified plans
  • Defined benefit plans
  • Split dollar life insurance
  • Supplemental executive retirement plan

Connect

Click here to connect with a CAISSA Advisor

TAX STRATEGIES

We have prepared tax returns, so we understand how to make them work smarter for you.

Through our financial planning process, we review your cash flows and tax return to make sure your tax calculation is as efficient as possible. We will help you structure retirement benefits, Net Unrealized Appreciation (NUA), rollovers, and 72(t) withdrawals; as well as strategically planning for deductible charitable contributions and itemized deductions (when applicable).

We realize we are not in the business of preparing your tax returns, so we work alongside your accountant to make sure we are implementing the best plan possible.

Reduce your investment gains tax bill

Watch Video
To help our clients mitigate their tax bill, we use a strategy called “tax loss harvesting.” Watch this video to find out why selling your investments at a loss can be a good thing.

Connect

Click here to connect with a CAISSA Advisor

SOCIAL SECURITY

We know that successful financial planning requires an understanding of you and your unique situation. That’s why we provide unparalleled attention to you, the client, as we develop smart strategies to help you understand your finances and plan ten steps ahead. Our goal is that the day you start working with our team is the day you stop worrying about your finances. Investments can only be as strong as the financial plan that directs them. That’s why our clients receive a personalized plan that integrates their whole financial picture and is updated regularly. Using this plan as the driver, we create a detailed torpedo-proof investment strategy that meets your goals and long-term plans. Our expertise matched with our fierce loyalty to our clients’ prosperity is the reason clients stay with Caissa long term.

Connect

Click here to connect with a CAISSA Advisor

HEALTH CARE

Health care costs are rising rapidly. It has become such a large expense that we line item it out in our financial plans. Should you find yourself in a position to review benefits at a new employer or needing new alternatives, we will guide you.

Many of our retirees younger than age 65 find themselves in need of individual policies to bridge them until they are eligible for Medicare. We will work with you on this as well.

Connect

Click here to connect with a CAISSA Advisor

EDUCATION / COLLEGE PLANNING

For our clients with children aspiring to attend college, you will receive a projection of how much your current college savings will afford, how much more is needed and how to save for this large expense without detriment to your retirement goals.

We also team up with a local expert who will guide you through the application process starting when your child is a high school junior. We have had stellar results from this process. It’s one additional perk to working with CAISSA.

Connect

Click here to connect with a CAISSA Advisor
Has CAISSA ever had an issue with the SEC?2018-07-31T10:10:15-05:00

NO. We run a tight compliance ship at CAISSA.

Will CAISSA provide client references?2018-07-31T09:56:26-05:00

Yes, please ask and we will be more than happy to provide them.

I see Kelly is a CDFA, what does that mean?2018-07-10T11:48:03-05:00

“A CDFA professional is a financial professional skilled at analyzing data and providing expertise on the financial issues of divorce. The role of the CDFA professional is to assist the client and his or her attorney to understand how the decisions he or she makes today will impact the client’s financial future.” (The Institute for Divorce Financial Analysts (IDFA™))

Do you work with out-of-state clients?2018-07-10T14:00:35-05:00

Yes, in this age of technology, we are able to serve clients where ever they are.

Will you sell everything after I transfer my accounts?2018-07-10T13:58:26-05:00

Not all investments should be sold.  We transfer “as-is” and assess from there how to massage your portfolio to maximize its potential.

What should I ask a new advisor when interviewing them?2018-07-31T09:53:37-05:00

The CFP® board has put together a great list of things to ask:

Finding a CFP® Professional

Is CAISSA insured for mistakes?2018-07-31T09:52:40-05:00

Yes, we carry Errors and Ommissions insurance at all times.