1122 Kenilworth Drive
Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.
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When investing in your future there is one single decision that’s essential- who do you work with?
If you want help, do you want to work with a financial services representative that makes money based on commission or would you prefer an advisor/fiduciary who is legally obligated to act in your best interest?
The answer is obvious. And whether you have $100 million or more modest resources, choose an advisor who won’t reduce your results with hidden fees or expenses or doesn’t have conflicts of interest inherent in commission based sales.
I’ve been in the industry a long time and while it’s changing for the better (for you), it’s not changing fast enough. Too many people are unknowingly using commission models that cost too much and don’t always deliver advice in your best interest.
I’m passionate about being an advisor, a fiduciary by definition, and treating each and every client with the respect they deserve. My focus is to provide the very best advice, service and products in the industry. Not just because I’m legally obligated to, but because you deserve it.
I’ve been in this industry for over 35 years. I spent many years providing products and advice as a financial representative and manager. I was recruited to ‘corporate’ and spent years ‘behind the curtain’ seeing how many business decisions and products offered were based around profit while turning a blind eye to consumer value. Let’s just say it didn’t agree with me.
I wanted out. So I formed Grigg Financial with a philosophy so simple that we all learn it in school: Treat others the way you want to be treated.
It seems simple and it is. My focus is helping people.
I also believe in “all the time” education, especially within the complex financial advice based world. Over my career, I’ve attained certification standards of excellence, including Certified Financial Planner (CFP®), Chartered Financial Consultant (ChFC®), Chartered Life Underwriter (CLU®) and several others. I also have an MBA from the University of MA and a BA from Merrimack College.
Being financially successful involves many decisions over your life, perhaps even thousands. Every decision counts.
Our process starts with getting to know you, your goals and values. It leads to what we call a “living plan”, one that needs updating over time to align with changing goals and objectives. We help with your investment management approach, retirement planning, planning your estate, financial product purchases, buying a home, managing debt, saving for an important purchase, college planning for your kids, buying or selling a business, looking for tax strategies, etc.
Many times we provide these services as part of our investment management services. Our first meeting is free of charge and is meant to help you discover what we can do for you. Our business is first built on a relationship of trust.
We want to be the firm that answers this question “Who Can You Trust to Help with your Money?”
Many people struggle with how to qualify a financial advisor. For example, likeability is important, however, it doesn’t qualify an advisor. We believe you want to work with a firm that is experienced, knowledgeable and independent. We believe you want to work with a firm that works for you, in your best interest.
This is how we build trust with you. And, we think we’re pretty likable too.
Breathe and Relax. We start with an initial meeting designed to get to know you, your goals, and your values. We also know you’re getting to know us and are deciding if you want to work with us. Clients make the choice to work with us. We only try to demonstrate how you may benefit from working with Grigg Financial.
We develop living plans for most clients. We use your goals and resources and evaluate them under conservative assumptions to answer this: “Do I have the resources to do this?” For many, this is about retirement, however, it can also be about other specific or general wealth management goals.
We customize investment management programs for our clients. There are no cookie cutter solutions. Our approaches are based on you.
We revisit, revise and refine plans and do it all over again and again, year after year.
We believe meeting with your financial professional should be positive and exciting.
We are fiduciaries. Many financial professionals are not. A fiduciary is required to work in the best interest of the client. This involves a significant effort in looking at all the options, comparing and contrasting, and advising a best course of action. We are not investment product sales people. We do not make commissions on investment advice.
Our business does better when you do better.
We often encounter people looking for an advisor for the first time, perhaps after 20, 30 or more years of accumulating savings in a 401k or 403b. Realizing they want help with making their money last as long as they do, they seek out an advisor. We ask this: “With your life savings, if you have a choice between an financial representative who is paid commissions or an advisor who is paid for advice, who do you want?” We believe the answer is obvious.
We work for you. We are not obligated due to contract or incentives to any vendor, financial or supporting firm. This is on purpose. It’s who we are.
We believe the retail financial world is fraught with conflict. Commissions and special incentives designed to influence recommendations reduces the effectiveness of the products and services offered to you. We are committed to our advice being fiercely obligated to our clients.