Frequently Asked Questions

Why David Duchene?

My experience, knowledge and hands on approach will provide you and your family with access to a professional financial representative. I have no preconceived plan as to what your strategy or objective should be. Instead, I will help you discover through an educational process, how to achieve your dreams and confidently help to meet your goals.

I always say that I am going to start putting money away for my retirement and never seem to have the extra money to do it.

I use the LEAP® process, which is designed to help create greater wealth with no additional out-of-pocket outlay.  Please note, additional outlay may be needed to achieve your particular set of financial obejectives. This process makes your dollars work better enabling you to start providing for the future. 

If I already choose my own investments or use my broker recommendations, why should I meet with you?

My work is unique. Most  financial professionals focus on only one or two aspects of your financial life. Using the LEAP process, I evaluate and coordinate ALL aspects of your financial life. I'm not here to replace all the members of your team or products that are working well for you. By utilizing a holistic view I work at making your money more efficient and productive. My experience goes beyond just the picking of products. Like a game of chess, I focus on understanding how all your financial vehicles, wills, insurances, debt structure should work together. I also assist your other financial professionals to perform for you at a higher level. 

What are the types of things you will do during the process?

To help create maximum wealth with the money you will receive over your lifetime, I have to evaluate all items, which include cost and income items such as housing, food, lifestyle, college and retirement goals. I will listen, put together written strategies with alternatives in a simple and easy to follow modeling process. You will see from the model what areas of lost opportunity exist with your current plan. I will continually inform and update you. For many of my clients this is one of the main reasons our clients stay with me. I will communicate and answer questions in an easy to understand language. 

What questions will be answered during the process?

  • What is the true cost of my current strategy? 
  • Given my current strategies, am I betting my results on the idea that taxes will be lower in the future than they are today? 
  • Will I be in the lowest tax bracket when I retire? 
  • How does all this fit together and is it working to meet my future retirement goals? 
  • Why has no one pointed this out to me before? 
  • You will have a basic understanding of why I recommend certain strategies. I want you to understand how they work and why they are important to your potential financial success. 

How do you differ from some financial professionals?

Most financial strategies are only concerned with dollars and cents. I realize that this is only one aspect of a strategy. My goal is to create a strategy that supports what you care about most such as educating your children, being financially stable after retirement, and properly distributing your wealth.

Who decides what portions of the strategy to implement?

You must feel good about the strategies. I want you to feel good about implementing the recommendations. 

Will I be pressured into making any decisions?

At no time will I pressure you into making a decision. I will always support you in doing what you know is best for you.

 

 

 

 

 

 

 

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