You might benefit from a financial advisor if you're experiencing major life changes such as marriage, starting a family, changing careers, or approaching retirement. Other signs include feeling overwhelmed by financial decisions, unsure about investment choices, concerned about having enough for retirement, or simply wanting a professional review of your current financial plan. Even if you're comfortable managing your finances, an advisor can provide valuable second opinions and help you optimize your strategies.

Our process begins with a complimentary consultation to understand your financial situation, goals, and concerns. If we mutually decide to work together, we conduct a comprehensive analysis of your current finances, including assets, liabilities, income, expenses, insurance coverage, and existing investments. We then develop a personalized financial plan with specific recommendations. Once you approve the plan, we help you implement it and provide ongoing monitoring and adjustments as needed. We schedule regular reviews to ensure your plan remains aligned with your evolving goals.

At Novus Finance Hub, we believe in transparent fee structures. For investment management services, we typically charge a percentage of assets under management, which aligns our success with yours. For specific projects like retirement planning or tax preparation, we may charge a flat fee or hourly rate. We always disclose all fees upfront in writing, with no hidden charges. As fiduciaries, we are committed to ensuring our fee structure is fair and reasonable for the value we provide.

A fiduciary is a financial advisor who is legally and ethically bound to act in their clients' best interests at all times. This means we must provide advice that benefits you, not us. We must avoid conflicts of interest, disclose any potential conflicts, and prioritize your needs above our own. This matters because not all financial advisors are fiduciaries. Some may recommend products that earn them higher commissions but aren't necessarily the best option for you. As fiduciaries, we provide unbiased advice solely focused on helping you achieve your financial goals.

We typically conduct comprehensive reviews of your financial plan at least annually. However, we also recommend more frequent check-ins for specific situations, such as during market volatility, after major life events, or when significant tax law changes occur. Our clients have access to their advisors throughout the year for questions and concerns. We believe that financial planning is not a one-time event but an ongoing process that requires regular attention and adjustments as your life and financial markets evolve.

Yes, estate planning is one of our key services at Novus Finance Hub. While we don't draft legal documents ourselves (as that requires an attorney), we work closely with estate planning attorneys to ensure your financial plan aligns with your estate planning goals. We help you structure your assets in a tax-efficient manner, establish appropriate trusts, plan for charitable giving, and develop strategies to transfer wealth to your heirs according to your wishes while minimizing taxes and other costs.

Our investment philosophy is built on three core principles: diversification, discipline, and long-term focus. We believe in creating well-diversified portfolios across asset classes, sectors, and geographic regions to manage risk. We emphasize discipline by sticking to your strategic asset allocation and avoiding emotional decisions based on market fluctuations. Our long-term focus means we design portfolios with your future goals in mind, not short-term market movements. We combine passive and active strategies based on your specific situation and preferences, always prioritizing your financial objectives above all else.