FAQs

1. How long have you been in business?

Shadowridge Asset Management, LLC was founded in 2012. 
Ryan has been a licensed Investment Advisor Representative since 2003. 
Laura has been a licensed Investment Advisor Representative since 2007.
Phil has been a licensed Investment Advisor Representative since 1993.
Will has been a licensed Investment Advisor Representative since 1995.

2. Are you a fiduciary (and why should I care)?

As a Registered Investment Advisor firm, Shadowridge is a fiduciary — required by law and by our belief in the importance of honesty and ethical standards — to act in the best interest of our clients, putting client interests ahead of our own at all times. We are committed to the fiduciary aspect of the profession. Every decision is made with our clients’ interests in mind.  You can read more about fiduciaries at Investopedia.

3. How are you compensated? What are your fees?

Shadowridge is a fee-based investment management firm. We do not sell fixed annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products.  Ryan and Phil do currently hold insurance licenses but do not actively sell insurance products.

Asset Management clients are charged a fee based on the assets under our management and the average daily balance of those assets.

Financial Planning clients are either charged a flat fee based on the Financial Planning Package selected, or a fixed hourly rate based on time spent on a particular Financial Planning project.

Contact us to learn more!

4. What credentials do you hold and what do they mean?

Many people think all financial planners are “certified,” but this isn’t true. Just about anyone can use the term “financial planner” or “financial advisor.” These are generic terms with no precise industry definition. So how do you know you are working with a qualified professional?  One way is to look for a professional designation.

Unlike licenses to sell products, professional designations are not required; they are voluntary.  In other words, we have chosen to pursue these designations out of our passion to expand our skill sets, to further our professional knowledge, and to deepen our areas of expertise.

We also appreciate the opportunity to be active in our professional communities, engage with thought leaders in the industry, and stay current with new developments.  We continue to uphold our designations because of our excitement for the work we do and our commitment to our clients.

Each of our advisors has pursued designations that correlate with our specific areas of interest.

Ryan: The Chartered Financial Consultant designation
This certification addresses the long-standing fundamentals of financial planning, as well as specialized areas selected by the registrant.  Study areas include: the financial planning process, risk management, income tax strategies, retirement planning, investments, estate planning, and personalized financial planning strategies, including aiding divorcees, blended families, and LGBTQ families.

Ryan: The Chartered Market Technician ® designation
The Chartered Market Technician® (CMT) designation marks the highest education within the discipline and is the preeminent designation for practitioners of technical analysis worldwide.  Earning the CMT demonstrates mastery of a core body of knowledge of investment risk in portfolio management, as well as deep technical experience.  The curriculum focuses on market behavior, the gap between intrinsic value and market price, behavioral finance, quantitative systems design and risk management.

https://cmtassociation.org/association/

Laura: The CERTIFIED FINANCIAL PLANNER™ designation
One of the top certificates available in financial planning, this certification has been the “gold standard” for financial planners for over 30 years. CFP® professionals have met extensive training and experience requirements, including knowledge in the areas of: financial planning roles and responsibilities, planning for insurance needs, income taxation, retirement planning, investing principles, and estate planning strategies.

CFP® professionals take a holistic, personalized approach to bring all the pieces of your financial life together.  They also commit to CFP Board’s ethical standards that require them to put their clients’ interests first.
https://www.cfp.net/why-cfp-certification/the-standard-of-excellence

Laura: The Certified Financial Transitionist ® designation
The CeFT is a “level up” designation that requires a baseline designation such as the CFP® as well as prior experience with the technical side of financial planning.  CeFT training goes further by cultivating an understanding of the stages of transition, how people behave during transition, and how to effectively address the emotions, relationships, and thought processes involved in chaotic life events.

The curriculum provides a unique perspective on transitions informed by psychology, sociology, neuroscience and adaptive leadership.  Ongoing, the CeFT community fosters co-creating financial plans with clients to aid them in navigating their life’s journey.
https://suddenmoney.com/

Phil: The Behavioral Financial Advisor designation
Earning the BFA enhances advisors’ client interactions and financial planning advice through a more thorough understanding of clients’ feelings, thoughts, and values that create the basis for their financial goals.  A study of psychological explanations for economic behavior and the hands-on practice of values-based conversations are covered.  This designation helps advisors guide clients to better decisions in life and throughout the financial planning process.

Bottom line, this should tell you that our advisors are true professionals dedicated to continuous improvement and to providing the highest standard of financial services.

Find out more about professional designations, qualifications, and accreditation here: https://www.finra.org/investors/professional-designations

5. Where else can I find information about you and your firm?

The first place to check out any investment firm is to take a peek at the firm’s ADV.  This is a requirement by the US Securities and Exchange Commission (SEC) and gives you plain facts about the firm.

Every registered financial representative is also required to be registered with SEC and has a personal form ADV on file with the SEC.  You can look up our info on the SEC website here: https://www.adviserinfo.sec.gov/