How to Choose the Right Financial Advisor For You.
As you consider each of the Financial Advisors offered to you by the SmartVestor Pro Network tool, Dove Investments offers the following grid as a tool for your use. We desire that you have a clear way of reducing the complexity in determining which advisor is the best fit for your needs and aligns most closely with what you are looking for.
How to Choose a Financial Advisor
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Dove Investments
Name of Advisor:
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Financial Advisor #2
Name of Advisor:
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Financial Advisor #3
Name of Advisor:
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Financial Advisor #4
Name of Advisor:
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1. Values and Priorities - |
Dove Investments is a faith-based financial firm with a biblical worldview and a faithfulness to biblical principles. Thomas R. Graffeo is aligned with all of the SmartVestor Pro financial principles and utilizing them in our work with clients. |
(Circle best response) Does this advisor share your values and priorities? Yes
No
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(Circle best response) Does this advisor share your values and priorities? Yes
No
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(Circle best response) Does this advisor share your values and priorities? Yes
No
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2. Integrity – An advisor should maintain the strictest sense of confidentiality and compliance with all ethical and legal practices of the financial industry.
Click here to go to Broker Check An independent source for information |
Dove Investments maintains the highest level of confidentiality and integrity – putting the clients best interest above even our own. As a Certified Financial PlannerTM We strive to maintain a positive record of compliance with all industry standards. |
Does this advisor have the integrity you are seeking? Yes
No
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Does this advisor have the integrity you are seeking? Yes
No |
Does this advisor have the integrity you are seeking? Yes
No
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3. A Fiduciary Standard – A professional who follows the fiduciary standard is one who places your best interest above all else.
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Dove Investments follows all the fiduciary standards on their client’s behalf in their financial management.
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Is this advisor following a fiduciary standard? Yes
No
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Is this advisor following a fiduciary standard? Yes
No
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Is this advisor following a fiduciary standard? Yes
No |
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4. Independent Advisors – Are professionals who offer advice on financial matters to their clients and recommend financial products that are best for client, without consideration of company.
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Dove Investments is an Independent Financial Advisory Firm that is independent of the companies whose products we offer. We offer securities through LPL Financial. LPL offers our clients’ access to markets and tools but does not market products. “We Work for You!” |
Is this advisor an Independent Financial Advisor who seeks the best for you as a client? Yes
No
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Is this advisor an Independent Financial Advisor who seeks the best for you as a client? Yes
No
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Is this advisor an Independent Financial Advisor who seeks the best for you as a client? Yes
No
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5. RIA – Registered investment advisors are independent firms using fiduciary principles. We receive compensation in the form of fees for providing financial advice and investment management. This is very different from broker-dealers and their representatives
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Dove Investments is a Registered Investment Advisory Firm that offers personalized management and products that fit your values and needs.
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Is this advisor a Registered Investment Advisor? Yes
No
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Is this advisor a Registered Investment Advisor? Yes
No
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Is this advisor a Registered Investment Advisor? Yes
No
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6. Professional Competency & Credentials
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Thomas R Graffeo holds both the distinction of Certified Financial PlannerTM (CFP) and Certified Investment Management Analyst (CIMA). These educational experiences distinguish Tom in the investment industry. Tom also holds distinction of Five-Star Wealth Manager* (2016-2021). |
Does this advisor have the professional competency and credentials you deserve?
Yes
No
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Does this advisor have the professional competency and credentials you deserve?
Yes
No
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Does this advisor have the professional competency and credentials you deserve?
Yes
No
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7. Active Management Advisor – A professional money manager who is tracking the performance of a client's investment portfolio and regularly making buy, hold, and sell decisions about the assets in it. |
Dove Investments is an active management advisory firm*. Tom personally manages our client’s portfolios with his experience and your goals in mind. Tom makes adjustments in real time – as markets change or your goals change. |
Is this advisor an active management advisor?
Yes
No
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Is this advisor an active management advisor?
Yes
No
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Is this advisor an active management advisor?
Yes
No
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8.Compensation Are they paid by fees or commission? – Fee-based advisors charge their clients a fixed or a la carte fee while commission-based advisors are compensated by commissions earned from financial transactions. |
Dove Investments is a fee-based advisory and management firm. If we choose a product that suites your investment needs and there is a commission, we will disclose that to you up front.
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Is this advisor a fee based advisor or do they receive commissions from companies whose products they recommend? Fee Commission
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Is this advisor a fee based advisor or do they receive commissions from companies whose products they recommend? Fee Commission
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Is this advisor a fee based advisor or do they receive commissions from companies whose products they recommend? Fee Commission
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9. Affiliations & Networks -
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In addition to being a CFP. CIMA and affiliated with a RIA, Thomas R. Graffeo is a member of SmartVestor Pro Network.
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What professional affiliations and networks is this advisor part of?
CFP CIMA IAR SmartVestor Pro |
What professional affiliations and networks is this advisor part of?
CFP CIMA IAR SmartVestor Pro
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What professional affiliations and networks is this advisor part of?
CFP CIMA IAR SmartVestor Pro
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10. Excellent Service
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Dove seeks to do everything with excellence – with personalized service and communication.
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Will this advisor provide you the excellent service and communication you are seeking? Yes No |
Will this advisor provide you the excellent service and communication you are seeking? Yes No |
Will this advisor provide you the excellent service and communication you are seeking? Yes No |
We at Dove Investments look forward to the opportunity to serve you. Please reach out to us if we can help you in any way. Check out our website, make an complimentary 30 minute Zoom appointment (www.calendly/tomgraffeo), or call our toll free number, 1-877-436-8346
Sincerely,
Thomas R. Graffeo
Certified Financial PlannerTM
Certified Investment Management Analyst
LPL Registered Principal
1-877-436-8346
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The SmartVestor Pro program is a directory of investment professionals. Neither Dave Ramsey nor SmartVestor are affiliates of Dove Investments or LPL Financial. *Five-Star Wealth Manager Award based on 10 objective criteria associated with providing quality services to clients such as credentials, experience, and assets under management among other factors. Wealth managers do not pay a fee to be considered or placed on the final list of 2016 through 2021 Five Star Wealth Managers. *Active management allocation may involve more frequent buying and selling of assets and will tend to generate higher transaction cost. Investors should consider the tax consequences of moving positions more frequently. Securities offered through LPL Financial, Member FINRA/SIPC. Investment Advice offered through Dove Investments Research and Management, Inc., a registered investment advisor and separate entity from LPL Financial. |
