Frequently Asked Questions
What does a financial planner actually do?
Think of us as your financial personal trainer and navigator. We look at your entire financial picture—investments, taxes, retirement planning, insurance, and estate planning—and build a cohesive strategy to help you achieve your life goals. We don’t just manage money; we help you build a roadmap for your future.
Do I need to have a certain amount of wealth to work with you?
Not at all. We believe everyone deserves quality financial advice. While some firms require a high minimum investment, we offer flexible services—including hourly consulting and project-based planning—to help you build your wealth from the ground up.
How often will we meet?
Typically, we meet 2 to 4 times during the initial planning phase to gather data, review your current situation, and present your custom plan. Once your plan is implemented, we recommend checking in semi-annually or annually to review performance and adjust for any major life changes (marriage, new job, retirement, etc.).
What should I bring to our first meeting?
Your first consultation is entirely complimentary and pressure-free. You don’t need to bring a mountain of paperwork. Just bring an open mind, your top financial questions, and a general idea of your income, debts, and current savings.
Are you a fiduciary?
Yes, 100% of the time. Being a fiduciary means we are legally and ethically bound to act in your best interest. We do not recommend products because they pay us a kickback; we recommend them because they are genuinely the best choice for your financial goals.
How do you get paid?
We operate on a Fee-Only basis. This means our only source of compensation comes directly from you, our client. We do not accept commissions, hidden fees, or third-party referral rewards. We charge in three ways depending on your needs:
- Flat Fee: For comprehensive, one-time financial plans.
- Hourly Rate: For specific, targeted questions or short-term advice.
- Assets Under Management (AUM): A small percentage (typically around 1% annually) if you choose to have us directly manage your investment portfolio.
Where will my money actually be held?
We never take physical custody of your money. Your assets will be held with a secure, institutional third-party custodian (such as Charles Schwab, Fidelity, or Vanguard). You will always have direct, 24/7 online access to your accounts.