FAQs
Do you have a financial planning question?
We have the answer.
Check out these FAQs and contact us today for more information!
What does Coram Deo mean?
Latin term meaning: “Before the sight of God.”
Mantra of Living Coram Deo: To live one’s entire life in the presence of God, under the authority of God, to the glory of God, and to “Live Worthy of Your Calling.”
What does it cost to work with Coram Deo Advisors LLC?
Coram Deo Advisors offers a free consultation to discuss your financial goals and needs, giving you the opportunity to evaluate our firm and determine if we are the right fit for you. We provide flexibility with a tiered fee structure tailored to your situation, with no asset minimums required. Our ultimate goal is to see you succeed, and as your assets with us grow, your fees will decrease accordingly.
What is our Financial Planning process?
Our financial planning team offers a comprehensive approach to achieving your financial goals from a Christian, Biblical worldview. We work with you to create a plan that is tailored to fit your individual needs and help you reach your financial goals with confidence. Our services are designed to help you make sound, informed decisions that will benefit your future, ensuring alignment with your values and principles.
If I need help or want to connect with a Coram Deo Advisor what’s my best way to reach you?
It’s quite easy, and we’d love to talk with you. Call us at (717) 287-9589 or complete the “Schedule Your Free Consultation” form, and an advisor will reach out to you within 24 hours.
Does Coram Deo Advisors only work with their own clients?
The quick answer is no. We work in a team atmosphere which means each of our advisors are in tune with what is going on with your portfolio. If your primary advisor is not available, we can ensure that someone is available to help you through. Email: team@coramdeoadvisors.com
What makes Coram Deo Advisors unique?
Coram Deo Advisors is unique in that we provide financial planning and investment advice with a distinctly Christian and Biblical worldview. We strive to ensure that your investments align with your values and that you are taking the necessary steps to achieve your financial goals.
At Coram Deo Advisors we understand that managing finances can be difficult and confusing. Our team of experienced financial advisors can help you make informed decisions about your financial future. We offer tailored advice and strategies designed to meet your individual goals, needs, and objectives. With our help, you can create a plan that will help you achieve financial security and stability.
What services do you provide?
At Coram Deo Advisors, LLC, we provide a range of services designed to help you manage your finances and secure your financial future. Our services include financial planning, investments, retirement planning, estate planning, insurance planning, and tax planning. Additionally, we provide guidance and advice on financial literacy, budgeting, and debt management to ensure you have the knowledge and tools needed to make sound financial decisions.
How do I get started with your services?
Getting started with our services is easy. Contact Us to set up a free consultation to discuss your financial goals and objectives. We will work with you to develop a personalized plan to help you achieve your goals. Once the plan is finalized, our team of experienced financial advisors will provide ongoing support and advice to help you meet your financial objectives.
How much experience does Coram Deo Advisors, LLC have, and is your team licensed?
Coram Deo Advisors, LLC, has over 60 years of experience in financial planning and investment advising. As a licensed financial planning team, we are committed to providing expert guidance and support to help you achieve your financial goals.
Are Coram Deo Advisors fiduciaries?
Yes, Coram Deo Advisors is a fiduciary. We are dedicated to putting our client’s best interests first. We strive to provide objective advice and services tailored to meet our clients’ individual needs. With our fiduciary commitment, you can trust that our recommendations are made with your financial well-being as our top priority.
How can Coram Deo Advisors help me diversify my portfolio?
Coram Deo Advisors can help you create a diversified portfolio tailored to meet your specific goals. We will assist you in selecting one of our faith-based portfolio options that aligns with your risk tolerance and financial objectives. By working closely with you, we ensure that your portfolio is both diversified and suitable for your long-term needs.
Do I need a financial advisor?
We will meet with you either in person or over the phone whenever you need us. Additionally, we hold formal meetings at least once per year, during which we provide you with a comprehensive report detailing your portfolio’s performance and analysis.
How often will you meet me?
Philanthropy can be a meaningful part of your estate plan. Whether you want to establish charitable trusts, make donations, or set up endowments, we’ll help you create giving strategies that benefit causes you care about while providing tax advantages for your estate.
What do I bring to the first meeting?
When you come in for your consultation, we’ll ask you to bring your latest financial statements (banking, investments, employer-provided retirement plans, etc.) and a current tax return. We’ll review this information and discuss income sources, retirement plan contributions and balances, financial and real estate assets, insurance coverage, mortgages, other debts, and estate planning documents. Prior to our appointment, we will ask that you complete a Financial Planning Checklist that provides us with basic information about you and summarizes your current financial situation.
Do you work with our accountant and/or attorney?
With a client’s permission, we will always work with their other advisors. We strongly recommend collaborating as a team on their behalf. Allowing us to communicate and exchange information directly with their other financial professionals helps us coordinate efforts efficiently and ensures a comprehensive approach to managing their financial well-being.
How do you protect my privacy?
Coram Deo Advisors adheres to a strict information Privacy Policy. Coram Deo Advisors does not have custody of your assets. Instead, they are “held” at an independent 3rd party custodian (Charles Schwab) who reports to you on your assets and activity. Special secure computer links connect Coram Deo Advisors to your custodians and Coram Deo Advisors, LLC. This provides secure, immediate access to your investments. This enables us to electronically submit your trades and monitor all activity within your account. Schwab may also belong to groups to protect your assets, such as the Securities Investor Protection Corporation (SIPC), which provides up to $500,000 to protect your securities held at your custodian ($100,000 for claims of cash balances). To supplement the SIPC coverage, some custodians provide additional insurance protection for total net equity (cash and securities) in excess of the $500,000/ $100,000 coverage provided by SIPC. Note that neither SIPC nor excess coverage protects against a decline in the market value of securities.
Do you have a portfolio minimum?
Will you consult with me when making trades?
Not generally. It’s typically in your best interest that your account is discretionary unless otherwise stated in your client agreement. Occasionally, it may be necessary to react quickly to management changes or other situations we encounter. We will always discuss any changes with you as soon as possible. The asset custodians, normally Charles Schwab, will immediately provide you with your trade confirmation(s) either via mail or email.
