Community Risk Advisors

Our Commitment – Wealth Management

We are fully committed to keeping you informed and involved in the wealth management process. This agreement attests to our commitment. We pledge to provide you with time-tested financial advice, supported by our team and our systems to consistently fulfill that promise.

Together, we share this responsibility and the following is an overview of our commitment to that end. Additionally, we outline what we will need in return to help you succeed.

  1. Wealth Management Services**

As part of our commitment to helping you achieve your goals and objectives, we provide the core wealth management services that have come to exemplify Community Risk Advisors. To that end, we either provide or facilitate many aspects of financial planning, including:

  • Tax1 Planning
  • Estate1 Planning
  • Retirement Planning
  • Lifetime Income Planning
  • Trusts & Charitable Giving
  • Employee Benefits Planning
  • Business Succession Planning
  • Multi-generational Fee-Based Financial Planning
  • Risk Management / Asset Protection through Insurance and Critical Illness Contingency Planning
  1. Portfolio Reviews

You can expect a phone call from us at least quarterly. Even if no changes are necessary, we will touch base and provide you with an update. However, if market conditions or your particular situation require it, it may be necessary for us to contact you more frequently.

It is vital to your financial success that we meet regularly to review your portfolio, assess any changes in your circumstances and keep you informed of any issues that may affect your financial future. In addition, we will call you at least once per year to schedule a face to face meeting. In our opinion, your financial plan is the key to pursuing your goals. Our commitment is to review and update your financial plan at least annually. It will take at least one hour of your time but it is critical to staying on track and providing us with the information we need to provide sound advice.

  1. Portfolio Management

As your financial advisory team our role is to assume the responsibility of managing your wealth and objectively advising you on critical financial matters. Working with you we will develop a strategy focused exclusively on your situation, goals, and feelings. We will then provide you with an Investment Policy Statement which will detail our mutual understanding or your goals and risk tolerance, and the approach that we will take in managing your investments. We will review this with you at least annually. We will manage your investment portfolio and involve you from time to time if major changes are warranted.

  1. Service

In terms of day-to-day service, we have established the following standards:

  • Response Time

You should feel free to contact us at any time. You can expect that any call made to our office after 6:30 a.m. and before 4:00 p.m. Monday through Friday will be returned by someone on the team on the same day. Calls made after 4:00 p.m. will be returned on the next business day.

  • Problem Resolution

While we strive to perform error free, we promise that any discrepancies will be resolved within three business days or you will be provided with a status update within that time.

  1. Your Team

We specialize in delivering financial solutions tailored to your specific needs. Each member of our team plays an important role in meeting those needs. Below is an overview of our team, along with details on their specific roles.

  • Don Kemp, AWMA® – Wealth Manager – Primary Client Contact

Cell Phone: 678-860-4639

Email:

Specialists in Brokerage, Options, Asset Management, and Third Party Advisory Firms are available as resources for asset management. Specialists in Commercial P&C, Personal Lines P&C, Life, Disability, and Long Term Care are available for insurance related needs.

  1. Client Education

We believe that education is the key to success. We provide education on relevant financial issues through our monthly email and our team’s quarterly market update newsletter. We also have a variety of educational topics online at Lastly, we provide periodic information workshops to our clients on issues ranging from Business Continuation Planning, Social Security, retirement planning, and estate planning.

  1. Our Education

We commit to numerous hours of continuing education each year. This helps us to keep up to date on our multifaceted and dynamic industry. Additionally, this provides exposure to evolving “best practices”.

  1. Advisory Council & Client Profiling

We have assembled a client advisory council consisting of four client families who are rotated every year and meet quarterly to provide direct feedback on our practice. We also conduct a formal survey annually of our clients seeking feedback on our services and to gather additional information. Your responses to these surveys are taken very seriously and we appreciate your participation.

  1. Client Commitment

Up to this point, our service commitment to you has been outlined. We believe that this is a collaborative effort and we view you as a partner. With your help we can fulfill our promises to provide you with the best possible advice. In return, we ask that our clients commit to meeting with us to provide us with all necessary information to ensure that we are managing your assets properly.

By utilizing this process and system, we commit do our best to keep you, and your assets focused on success.

Community Risk Advisors

Registered Office: Gwinnett Community Bank, 2775 Buford Highway, Duluth, GA 30096

Direct Office 678-473-6735

1 We do not provide tax or legal advice. You should contact your tax and legal advisors concerning those topics.

Wealth Manager offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA / SIPC. Cetera is under separate ownership from any other named entity. Cetera is not affiliated with Gwinnett Community Bank, Community Risk Advisors, or its related companies. **Don Kemp, Accredited Wealth Management Advisor designee, is the Wealth Manager.

Securities and insurance products are not insured by the FDIC/NCUSIF or any federal government agency; not a deposit or other obligation of, or guaranteed by, the depository institution; subject to investment risks, including loss of the principal amount invested.”