How Are We Different?


 

Independent

Dotch Capital is a privately owned, independent financial planning and wealth management firm. This means that we are not affiliated with any one company, and our business model is not predicated on the sale of proprietary financial products. This model is very different from that of most financial advisors who are expected to sell their company’s proprietary investment and insurance products. As an independent Registered Investment Advisor registered in the state of California, Dotch Capital is able to offer the independent advice and solutions that our clients deserve.

Objective

Dotch Capital is a fee-only financial planning and Registered Investment Advisory (RIA) firm. This means that we never earn sales commissions, kick-backs, referral fees, or sales bonuses that result from the sale of insurance or investment products. As a fee-only Registered Investment Advisor, the Securities and Exchange Commission holds us to a fiduciary standard, and we act in this fiduciary capacity for our clients 100% of the time. This means that we are mandated to always place our clients’ best interests above our own. This fiduciary standard stands in contrast to the much lower sales “suitability” standard to which most financial advisors are held. By charging flat, hourly, or percentage-based fees based on a client’s net worth and financial complexity, our advice is never driven by sales commissions, and we are instead paid much like our clients’ CPAs and Attorneys, something which positions us to provide unbiased and objective advice.

Comprehensive

Financial services professionals take a variety of approaches to offering financial advice. Some focus on one area of a client’s finances, others focus on two or three. It is our experience at Dotch Capital, however, that all aspects of one’s financial life are interwoven to some degree. Effective financial planning, therefore, cannot be done without taking a comprehensive approach that takes into account one’s entire financial picture. Often it is not until one looks at this “big picture” that one’s financial goals and strategies come into focus. Financial planning is more than investing, and it is also more than asset preservation. When choosing a financial planner, it is imperative that one choose a FINANCIAL PLANNER professional who has the training and expertise to provide comprehensive wealth management and financial planning solutions.


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If you’re ready to get started, contact our Stockton Wealth Management firm to schedule a Complimentary Consultation with one of our Financial Planner Professionals

SCHEDULE A CONSULTATION

(209) 981-6558

ndotch@dotchcapital.com

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