What’s on Your Mind?

• What can I expect from our first meeting?

  Our first meeting will be a get-to-know-each-other, complimentary, conversation as we learn about your family and life goals. We understand what is important to you and what money means to you.  We will also share our 5- Step Process and Philosophy on how we work with our clients to LIve Richly. At the end of our conversation we will mutually agree to schedule a second appointment or shake hands and depart as friends.

• Do you just manage my assets, what else do you do?

  The scope of what we do starts with financial planning and incorporates asset management but also addresses many other issues. Think of us a your personal retirement CFO. The CFO for any company manages cash flow and prepares for the what-ifs. We take your most important goals, specific to you, and customize a comprehensive roadmap to accomplish said goals.

• Why should I work with U-Core Capital over other financial planning firms?

  We acknowledge that  there are many choices out there, and we encourage our potential clients to discover the differences.  We start with what’s important to you and integrate our 75 years of industry knowledge to create and maintain a comprehensive wealth management solution. Loi has worked with and coached financial advisors over 20 years. Over time, he has seen what has been lacking from a service point-of- view.  U-Core Capital was established to deliver exception, objective financial guidance and the highest caliber of personal service to achieve a life lived richly.  

• Who is LPL?

  LPL Financial (Nasdaq: LPLA) was founded on the principle that the firm should work for the advisor, and not the other way around. Today, LPL is a leader in the markets they serve,*supporting nearly 29,000 financial advisors, and approximately 1,100 institution-based investment programs and 570 independent RIA firms nationwide. They are steadfast in their commitment to the advisor-centered model and the belief that Americans deserve access to personalized guidance from a financial advisor. At LPL, independence means that advisors have the freedom they deserve to choose the business model, services, and technology resources that allow them to run their perfect practice. And they have the freedom to manage their client relationships, because they know their clients best. Simply put, LPL takes care of their advisors, so they can take care of their clients.

  
  

  *No. 1 Independent Broker-Dealer in the U.S (Based on total revenues, Financial Planning magazine 1996-2025); No. 1 provider of third-party brokerage services to banks and credit unions (2020-2021 Kehrer Bielan Research & Consulting Annual TPM Report); Fortune 500 Company as of June 2021. LPL and its affiliated companies provide financial services only from the United States.

  
  

• Are you a fiduciary?

  Yes. We act as fiduciaries for our clients, which means we are legally and ethically obligated to act in your best interest.

• How are you compensated?

  We are a fee-based firm. Most of our compensation comes from a percentage of the assets we manage for you. In some cases, we may earn flat planning fees or insurance commissions where appropriate.

• How do you work with clients outside of California?

  We work with clients across the U.S. using virtual meetings and secure digital tools.

• What happens if my advisor is unavailable or leaves the firm?

  Our team-based approach ensures continuity and support. You’ll always have a point of contact and a trusted advisor who knows your plan.

• Can you work with my CPA and attorney?

  Yes. We believe in a collaborative approach and are happy to coordinate with your other professionals.

• Can I meet with my advisor virtually?

  Yes. We offer both in-person and virtual meetings for your convenience.

• What communication can I expect between meetings?

  We’ll reach out with check-ins, planning reminders, market updates, and personalized messages throughout the year.