Oak River Financial Group answers the Ten Questions* Retirees
Should Ask Financial Advisers before They Hire Them.
1. What are your qualifications?
We have spent the last several years focusing on advising a select group of individuals. We have advisors who hold a series 65 license, registered investment adviser representative. We also have advisors who are licensed agents with the State of Texas department of insurance. They are very comfortable making financial recommendations, because they truly believe they understand people and their specific needs.
2. What experience do you have?
Our advisors have over 50 years of financial experience, including owning and operating a Registered Investment Advisory firm for the last 13 years. Oak River’s office is located in The Woodlands, TX.
3. How do you conduct business?
We operate a Registered Investment Advisory firm and specialize in providing investment advice to limited and a select group of individuals. Our practice is staunchly independent, we recommend what is best for each client.
4. What do you recommend?
Depending on the person’s situation, we recommend no-load mutual funds, dividend-paying blue-chip stocks, bonds, CDs, preferred stocks, and certain types of annuities from very well-rated insurance companies.
5. How do you get paid?
We get paid in either of three ways:
As investment adviser representatives of Oak River Financial Group, Inc. an SEC registered firm, we manage investment accounts of a fee basis instead of receiving a commission for placing security transactions.
If we recommend an annuity or similar financial product to a client, the insurance company will compensate us for providing information and advice on the product, comparing the product to other available options, and for providing ongoing service.
We can receive a fee for planning and creating an individual client web site so they may track their complete financial lives.
6. Describe your typical client.
Most of our clients are between age 50 and 75. We do have a few youngsters in their 40s, but our focus is helping those who are who are looking for complete financial guidance.
7. What is your approach to financial planning?
Our approach to financial planning is to understand the needs of our clients, and then to determine whether or not their current investments are meeting those needs. If they are, then we tell them so. If they are not, we prepare written recommendations that show the changes that need to be made, and how the proposed plan can help them for many years to come.
8. Who will be my advisor?
Oak River Advisors, depending on areas of expertise, give general investment advice to Oak River clients. It is the sole responsibility of Gary Freeman for the daily supervision and management of client securities portfolios.
9. Have you ever been professionally disciplined?
Our compliance files are open for inspection at your request.
10. Can I have it in writing?
All recommendations are made in writing. Brochures are provided for any investments or product recommendations.
*These questions were adapted from the Certified Financial Planner Board of Standards,
“10 Questions to Ask When Choosing a Financial Planner.”
We remain a resource to help our clients with the various changes in life. We will meet to make adjustments for any new circumstances, and we are always available to review whatever needs to be changed. That is one of the biggest advantages of working with us.
Because we respect and value our client relationships, we promise to:
That's the kind of relationship we build with our clients ... a relationship built on understanding, reliability, and trust.
Oak River Financial Group
25511 Budde Rd., Suite 2003
The Woodlands, TX 77380 USA
Tel: 281-719-5295
