Lewis & Associates Capital Advisors

Phones. The financial market. See the correlation? Maybe not. I remember when I was young, phones pretty much operated the same for a very long time.  There were buttons, you pressed a series of them to get someone to speak to you on the other end. Does anyone remember the rotary dials? The same simplicity applied to the financial market of the past. You read the newspaper. You looked at performance and then made your decision on what investment would best suit you.

It’s not that simple anymore.

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Market Timing

Besides investing all at once, periodically or sporadically, some investors believe market timing is the answer.

 

Who We Are

We are here to help you navigate the frequent financial changes in the industry in order to protect and grow your financial legacy.

 

Blog

Keep up to date with the market and news.

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FAQ

Q

What is an investment adviser?

An investment adviser is an individual or a firm that is in the business of giving advice about securities to clients. For instance, individuals or firms that receive compensation for giving advice on investing in stocks, bonds, mutual funds, or exchange traded funds are investment advisers. Some investment advisers manage portfolios of securities.

Q

What is the difference between an investment adviser and a financial planner?

Most financial planners are investment advisers, but not all investment advisers are financial planners. Some financial planners assess every aspect of your financial life—including saving, investments, insurance, taxes, retirement, and estate planning—and help you develop a detailed strategy or financial plan for meeting all your financial goals.

Others call themselves financial planners, but they may only be able to recommend that you invest in a narrow range of products, and sometimes products that aren't securities.
Before you hire any financial professional, you should know exactly what services you need, what services the professional can deliver, any limitations on what they can recommend, what services you're paying for, how much those services cost, and how the adviser or planner gets paid.

Q

What questions should I ask when choosing an investment adviser or financial planner?

Here are some of the questions you should always ask when hiring any financial professional:

  • What experience do you have, especially with people in my circumstances?
  • Where did you go to school? What is your recent employment history?
  • What licenses do you hold? Are you registered with the SEC, a state, or the Financial Industry Regulatory Authority (FINRA )?
  • What products and services do you offer?
  • Can you only recommend a limited number of products or services to me? If so, why?
  • How are you paid for your services? What is your usual hourly rate, flat fee, or commission?
  • Have you ever been disciplined by any government regulator for unethical or improper conduct or been sued by a client who was not happy with the work you did?
  • For registered investment advisers, will you send me a copy of both parts of your Form ADV?

Be sure to meet potential advisers "face to face" to make sure you get along. And remember: there are many types of individuals who can help you develop a personal financial plan and manage your hard–earned money. The most important thing is that you know your financial goals, have a plan in place, and check out the professional you chose with your securities regulator.