FAQs
- People preparing for or in retirement wondering if they have enough or if they are on the right track.
- People who want to reduce income taxes and eliminate estate taxes.
- People receiving an inheritance, lawsuit settlement, life insurance or annuity claims, or some other windfall and are not sure how to best use or invest the funds.
- People transitioning between jobs who want guidance on how to handle their 401k, 403b, or profit sharing plan assets.
- People who have had major life changes and their adult children who now have to handle their parent’s financial decisions because the parents need care or are unable to handle their own finances.
- People who have lost a spouse or parents and need help settling a complex estate.
- People who are successor trustees or executors of a complex estate and need help and guidance settling it.
- People who are business owners who have not established business continuation plans or buy-sell agreements with partners or shareholders.
People with less than $500,000 in investable assets. Our minimum is $500,000.
Additionally, if you are someone who believes they can do better investing on their own.
No, the introductory meeting is free.
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients. Find out more HERE.
A “fee-only” financial advisor sounds similar to a “fee-based” financial advisor, but there’s a difference in how they get paid. There’s a distinction between hiring one type of advisor versus the other. We believe one is not better than the other, they’re just different. Here’s what you should know about each:
Fee-Only Planners:
- They are paid directly by clients for their services and can’t receive other sources of compensation, such as payments from fund providers or commissions of any kind. This means if you need to purchase a product such as insurance, you will go to your insurance agent to purchase a policy not to your planner. The planner may give you advice on different insurance policies for a fee but they do not sell you the policy.
- They act as a fiduciary, meaning they are obligated to put their clients’ interests first.
- They must disclose all forms of compensation.
Fee-Based Planners:
- They are paid directly by clients but may also be paid via other sources, such as commissions from financial products that clients purchase. For example; they may be paid by the client for investment management services and also be paid a commission from an insurance company on an insurance policy a client purchases through the planner.
- When the planner is a registered investment advisor and is being paid fees for investment management services, they also act as a fiduciary and are obligated to put their client’s interests first.
- They must disclose all forms of compensation on investment accounts.
- Brokers and dealers (or registered representatives) who are not registered investment advisors are simply required to sell products that are "suitable" for their clients and do not act as a fiduciary.