Use these questions when evaluating any financial professional—including Enoch.
Open each question to read Enoch’s answer, or print a blank copy to use in your own conversations.
Ask which credentials and licenses apply to the services you need, and verify professional backgrounds.
Our team includes financial professionals with different licenses, registrations, and credentials. Each person’s team profile identifies their role and includes their professional disclosure. Review the credentials relevant to your needs and verify securities registration through FINRA BrokerCheck.
Clarify the scope of planning, investment advice, insurance discussions, and ongoing support.
Our service areas include financial planning conversations, protection, investments, retirement, and business planning. The services available to you depend on your professional’s qualifications and your agreed relationship. We clarify that scope before you proceed.
Ask for an explanation of fees, commissions, expenses, and any potential conflicts of interest.
Compensation depends on the professional, service, and product involved. Insurance and brokerage arrangements may involve commissions; advisory arrangements may involve fees. Before proceeding, request the applicable fee schedule, expenses, compensation details, and conflicts in writing. Review PAS Form CRS where relevant.
Ask when the professional is acting as an investment adviser, broker, or insurance representative and what standards apply.
Our team members act in different capacities. Securities products and advisory services are offered through Park Avenue Securities LLC by appropriately registered professionals; insurance services involve the applicable insurance representative and carrier. Your professional should identify their capacity for each service and explain the applicable standard of conduct.
Discuss how the professional learns about your household, responsibilities, priorities, and concerns.
We begin with a conversation about your goals, household, responsibilities, priorities, and concerns. We review relevant information, connect the parts of your financial picture, and discuss options and tradeoffs before you decide on next steps.
Ask about reviews, response expectations, and who supports you between meetings.
We keep the conversation going through reviews and when your circumstances change. Your review schedule, primary contact, and communication expectations should be agreed with your professional; there is no single published cadence or response-time guarantee for every relationship.
Understand the approach to collaborating with your CPA, attorney, or other advisors.
With your permission, we can include your CPA, attorney, and other professionals when their expertise is needed. Your tax and legal professionals remain responsible for advice in their respective fields.
Ask how recommendations and priorities are revisited as your circumstances evolve.
Life changes are a reason to revisit your financial priorities. We encourage you to contact your professional about marriage, children, career changes, retirement, or other significant events so the conversation and any appropriate next steps can be reconsidered.
Keep notes about the answers. Ask for written information where appropriate, and take time to consider the relationship.
Your life, your questions, your next chapter. There’s room for all of it here.
What brings you here?
Choose a starting point. We’ll help you explore the next step.
