Applied Capital Management FAQs
FAQs Frequently Asked Questions
These are questions we hear often from people who are new to financial planning or considering a change. They're worth asking before you decide to work with anyone.
No. We don't have account minimums, and the size of someone's portfolio doesn't determine the level of attention or access they receive. Every client gets the same time, availability, and access, regardless of where they're starting from.
Yes. As an investment fiduciary in advisory relationships, we are legally and ethically obligated to act in your best interest. Recommendations here are based on what fits your situation, not on what generates a commission. David holds both the CFP® and CFA® designations, each requiring rigorous study, examinations, and a strict code of ethics. Together, they reflect a level of expertise and accountability that goes well beyond the baseline required to practice in this field.
Investments are one part of what we do, and not the starting point. Before any portfolio decisions are made, we build a comprehensive financial plan that addresses the full picture: cash flow, tax considerations, protection planning, retirement projections, and more. Investment management follows from the plan, and that sequence is what distinguishes a financial plan from a collection of financial products.
Very. Clients reach us by phone, email, virtual meeting, or in person, and if someone wants to stop by without a scheduled appointment, the door is open. Every answer comes with the reasoning behind it and the alternatives we considered, so questions get real responses rather than callbacks.
Working with a planner adds two things that are difficult to sustain independently: a view of the complete financial picture and a structure that connects your individual decisions together. Managing finances alone means making good calls with the information and time available, but coordinating a complete plan across all areas of financial life over the long term is a different challenge. Every recommendation here comes with the reasoning behind it, because a plan someone genuinely understands is one they're far more likely to see through.
The first meeting is a conversation, not a commitment. There's no obligation and nothing to decide on the spot. We work with a wide range of people, from families managing competing financial priorities to pre-retirees, business owners, and those navigating significant life changes. What tends to matter most is a genuine interest in understanding your financial picture and a willingness to engage in the process. If that sounds like you, a first conversation is worth having.
Start The Conversation Let's Talk About Your Situation
The first meeting comes with no obligation, and it's the simplest way to find out whether we're the right fit for each other. When you're ready to start, we're here.