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4890 Owen Ayres Court, Suite 102, Eau Claire, WI 54702

715-552-3535
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Frequently Asked Questions



Getting Started FAQ's

  • We work with a wide range of clients and families across different stages of life and financial situations. Rather than setting a strict minimum, we focus on whether we can provide meaningful value based on your goals and needs. Each relationship is evaluated individually to ensure it’s a strong fit for both you and our team.

  • The most important thing you can bring is a sense of your goals and priorities. We recommend:

    • A list of personal and financial goals
    • Recent account statements (if available)
    • A general overview of assets and liabilities
    • Any questions you’d like us to address

    No preparation is required—we’ll guide the conversation—but this information can help make our time together even more productive.

  • Naming beneficiaries may help estate issues.

  • Regular review and adaptation to life changes.

  • Our initial meeting is focused on getting to know you. We’ll discuss:

    • Your financial goals and priorities
    • Your current financial picture
    • Any concerns or questions you have

    There is no obligation, this is simply an opportunity to determine if working together makes sense.

  • We act as a long-term partner in helping you make informed financial decisions. This includes:

    • Building and maintaining your financial plan
    • Managing investments aligned with your goals
    • Providing guidance during major life decisions
    • Helping you stay on track through changing markets
    • Tax and estate planning

    Our focus is to simplify complexity and give you confidence in your financial future.

  • Great questions to consider include:

    • How will you help me achieve my long-term goals?
    • What does an ongoing relationship look like?
    • How are financial plans built and adjusted over time?
    • What assumptions are used for things like inflation or returns?

    We encourage open, ongoing conversations so you always understand the “why” behind recommendations.

Services & Approach FAQ's

  • We offer comprehensive financial guidance, including:

    • Financial planning
    • Wealth management
    • Estate and tax planning
    • Business planning
    • Life transition planning
    • Health insurance guidance
    • Life insurance review

    We also collaborate with your CPA and attorney to ensure all aspects of your financial life are aligned.

  • Yes—tax awareness is an important part of our process. We help identify opportunities to improve tax efficiency and coordinate with your CPA when needed. While we provide guidance, we do not prepare tax returns or provide legal advice.

  • Baird makes available to its clients various distinct products and services, and there are important differences between those services and the duties and obligations owed to clients in connection with provision of those services. Baird and Baird Financial Advisors do not act as fiduciaries nor is a fiduciary duty owed to a client when providing certain products and services. For more information about the products and services Baird makes available as well as the duties and obligations Baird and a Baird Financial Advisor may have to you in connection with the provision of products and services, please contact our office.

  • We believe successful investing is built on:

    • Long-term discipline
    • Diversification
    • Alignment with your risk tolerance and goals

    Markets can fluctuate in the short term, but our focus is on helping you stay committed to a thoughtful, long-term strategy.

  • At a minimum, we review your plan annually. However, updates are often made more frequently as life changes occur—such as career transitions, retirement decisions, or market shifts. We are always available when you need guidance.

Fees & Communication FAQ's

  • Fees charged vary depending on the type of account that is opened and the value of the assets in the account. They can include transaction-based fees and asset-based quarterly fees. We strive to ensure transparency around these charges, and all fees are disclosed in account statements.

  • Yes. You’ll have secure, 24/7 access to your accounts through an online portal and mobile app, allowing you to view balances, performance, and documents anytime.

Additional Questions New Clients Often Ask

  • When you work with a CERTIFIED FINANCIAL PLANNER™, you’re partnering with an advisor who has met rigorous education, examination, experience, and ethical standards. CFP® professionals are trained to take a comprehensive approach to your financial life, helping you plan for everything from investments and retirement to taxes and estate considerations.
    Most importantly, CFP® professionals commit to acting in your best interest, putting your goals first in every recommendation they make.

    This expertise is not just a credential—it’s a core strength of the Forster Herbenson Team. You’ll work with not just one, but two CERTIFIED FINANCIAL PLANNER™ professionals—Kegan Fassler and Amy Anderl—bringing added depth, collaboration, and perspective to your financial plan.

    Learn more about the value of working with a CFP® professional here:
    https://www.letsmakeaplan.org/choosing-a-planner/why-choose-a-cfp-professional

  • We combine your goals, current financial situation, and future assumptions (such as inflation and market returns) to create a personalized roadmap. This plan evolves over time as your life and priorities change.

  • Market fluctuations are a normal part of investing—and planning for them is built into our process. During periods of market decline, we:

    • Revisit your financial plan to ensure it still reflects your goals and timeline
    • Review your portfolio to confirm it remains properly aligned with your risk tolerance
    • Identify potential opportunities created by changing market conditions

    Our role is to provide perspective during uncertain times, helping you stay focused on long-term outcomes while thoughtfully addressing any short-term needs.

  • Getting started is simple, just reach out to schedule an introductory meeting. From there, we’ll guide you through each step of the process and determine the best path forward together.

  • We work with individuals at all stages of life—from those just starting their careers to those in or near retirement, as well as families planning for future generations.

  • We combine personalized service with decades of experience to deliver thoughtful, comprehensive financial guidance. Our approach is built on:

    • Personalized advice tailored to your life, goals, and priorities
    • Clear communication and education so you can make confident decisions
    • Long-term relationships grounded in trust and accountability

    A legacy of experience

    Our foundation began more than 35 years ago, when Ron Farley established the practice in 1987. As the firm grew, Financial Advisors Tim Forster (1999) and Anthony Herbenson (2013) joined to form the Farley Forster Herbenson Group. Amy Anderl joined in 2016, followed by Kegan Fassler in 2018, further strengthening our planning capabilities. After Ron’s retirement in April 2024, we proudly continued this legacy as the Forster Herbenson Group.

    An award-winning team

    Since 2023, our team has been recognized annually as a Forbes|SHOOK Research Best-in-State Wealth Management Team. In 2026, we were ranked #7 in Wisconsin—reflecting our commitment to delivering exceptional client service.

    Credentials you can trust

    Our team brings a depth of knowledge and professional accreditation, including:

    • Financial Advisor Tim Forster, FINRA Series 7 & 66 licensed
    • Financial Advisor Anthony Herbenson, Accredited Asset Management Specialist (AAMS®) and FINRA Series 7 & 66 licensed
    • Associate Financial Advisors Amy Anderl and Kegan Fassler, are CERTIFIED FINANCIAL PLANNERS™ and hold their FINRA Series 7 & 66 licenses
    • Senior Client Assistant Kristi Kennedy, FINRA Series 7 & 66 licensed and Certified Public Accountant (CPA)
    • Client Specialist Sara Denning, FINRA Series 7 & 66 licensed
    • Client Assistants Laura Hartman and Shelly Cedarblade, FINRA Series 7 licensed and actively pursuing their Series 66

    Our commitment to you

    Above all, our goal is to be a dependable partner—guiding you through every stage of your financial journey with experience, care, and confidence.

    # # #

    2026 FORBES | SHOOK Research Best-in-State Wealth Management Teams. Published 1/7/26, rankings based on data as of 3/31/25.
    2025 FORBES | SHOOK Research Best-in-State Wealth Management Teams. Published 1/9/25, rankings based on data as of 3/31/24.
    2024 FORBES | SHOOK Research Best-in-State Wealth Management Teams. Published 1/9/24, rankings based on data as of 3/31/23.
    2023 FORBES | SHOOK Research Best-in-State Wealth Management Teams. Published 1/12/23, rankings based on data as of 3/31/22.

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