CONNECT

Address:

819 West 7th Avenue 
Spokane, WA 99204

Phone:

509-327-1171

Fax/Other:

509-327-1181

 

We, as Advisers, want to inspire and educate our clients to embrace the positive impact Financial Planning can have on their lives, and then help them through the process of creating a Plan for themselves so they can enjoy a more meaningful life.”

 

photo courtesy of Paladin Childress Law Office, PLLC www.pclawoffice.com/

Balderson & Hebert, LLC was established in 1997 when Michael W. Balderson and Steven W. Hebert combined their practices to form an independent financial planning firm to provide unbiased advice for our clients.  We chose to be an independent firm of advisers so our clients would always know their interests come first. Even though Steve is no longer an active financial advisor, the base principals and ethics he brought to our company are still being practiced.

We believe that the process of Financial Planning is not a “once and done “ experience in which the client receives a binder with a bunch of numbers in it, and are told to take it home and just follow the recommendations.  We understand that Financial Plans are made for human beings, and being human, our circumstances can change every year. Therefore, we practice what we call “Dynamic Financial Planning”. We will spend several meetings analyzing our client's goals and resources before we make any recommendations. 

Taking the time to develop the initial plan is just the beginning of our relationship with our clients. We don't send you adrift to fend for yourself.  Instead we conduct semi-annual meetings to make sure you are on course and suggest recommendations as your situation changes.  We stand side by side with our clients and expect to serve them for their entire life.

 

 

Balderson & Hebert, LLC is a fiercely independent Wealth Management firm.  We practice in a Fiduciary manner with all of our clients, striving to make sure they meet their goals. Not being a 'captive' employee of a large corporate wire house is the only way, we believe, to insure that the Client's goals come first. We feel this sets us apart from many of our peers in the industry.

 

Financial planning is a process, not a product. It is the long-term method of wisely managing your finances so you can achieve your goals and dreams, while at the same time negotiating the financial barriers that inevitably arise in every stage of life. In order to create a sound financial plan, goals must first be established. Data is then gathered to analyze and evaluate your financial status. Once complete, your plan can be developed and implemented. Monitoring the plan on an ongoing basis is essential in order to make necessary adjustments to reach your goals.

 

Benefits of Using a Financial Planner

How do you know if you could benefit from the services of a financial planner? You may not have the expertise, the time or the desire to actively plan and manage certain financial aspects of your life. You may want help getting started. Some reasons for seeking professional financial planning guidance might include:

  • Making sure your money will last during retirement or rolling over a retirement plan
  • Handling the inheritance of a large sum of money or other unexpected financial windfall
  • Preparing for a marriage or divorce
  • Planning for the birth or adoption of a child
  • Facing a financial crisis such as a serious illness, layoff or natural disaster
  • Caring for aging parents or a disabled child
  • Coping financially with the death of a spouse or close family member
  • Funding education
  • Buying, selling or passing on a family business

Procrastination is the greatest enemy of financial independence, and using a financial planner will keep you on track.

 

Whereas the public expects to experience a high level of confidence, trust, and clarity in relationships with professionals trained in the distinct process and discipline of financial planning, it is essential that they seek out professional care, quality and excellence in the services they receive. 

 

All financial planning services will be delivered in accordance with the following standard of care:

 

  • Put the client's best interests first.
  • Act with due care and in utmost good faith.
  • Do not mislead clients.
  • Provide full and fair disclosure of all material facts.
  • Disclose and fairly manage all material conflicts of interest.