Question 1

What does it mean that ALG Financial is a fiduciary?

Accepted Answer

As an investment adviser, ALG Financial owes a fiduciary duty to its advisory clients — a duty of care and loyalty covering the advisory services described in our Form ADV. Advice is driven by your plan rather than by a product, and we tell you plainly when the right answer is to do nothing, to pay down debt, or to keep money where it already is.

Question 2

How much money do I need to work with an advisor?

Accepted Answer

There is no single threshold. What matters more is whether you are facing decisions with lasting consequences: a retirement date, an inheritance, a business sale, or a trust you have been asked to administer.

Question 3

How is ALG Financial compensated?

Accepted Answer

ALG Financial is compensated by clients for advisory services. Our fee schedule and any conflicts of interest are disclosed in our Form ADV, available on the Investment Adviser Public Disclosure (IAPD) database or directly from us by email or phone.

Question 4

Where are my assets actually held?

Accepted Answer

Client assets are held at an independent, third-party custodian, not by ALG Financial. You retain direct access to your accounts and receive statements from the custodian.

Question 5

Do you work with clients who live off-island?

Accepted Answer

Yes. We serve clients wherever we are permitted to do business, and meet by video and phone as readily as in our Hagatna office.

Question 6

I have been named a trustee. Can you help?

Accepted Answer

Yes. We help trustees build and document a prudent investment process and keep clear records of the decisions made. We do not provide legal advice or interpret trust documents; we work alongside the trustee’s attorney.

Question 7

What happens in a first meeting?

Accepted Answer

It is a conversation, not a pitch. We ask what prompted you to reach out, what you are trying to protect, and what decisions are in front of you. You are not asked to bring documents or move accounts.

Question 8

Do you coordinate with my attorney and CPA?

Accepted Answer

Regularly, and with your permission. Estate, tax, and investment decisions rarely stay in their own lanes, and coordinating early tends to prevent expensive surprises.

Perspective for the questions that shape a financial life.

Planning with clarity when a transition changes the questions you need to ask.

Stewardship conversations for families, fiduciaries, and the generations ahead.

A Guam perspective on pairing local knowledge with long-term planning.

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