On this page, I have tried to provide answers to common questions. If you have more questions or would be interested in a free initial consultation, please contact me and we can schedule an appointment. The initial interview meeting is at no cost and usually lasts about an hour or less.

What is fee-only planning?

Fee-only planning means that a charge (hourly or flat-fee) is made for advisory services only. No commissions or other sales charges are paid to the advisor by the client, and no financial products are offered through the advisor (i.e., securities or insurance policies).

What is a Certified Financial Planner?

Someone who helps you plan your overall financial affairs. This person has achieved a certification which requires the completion of a series of courses offered by the College for Financial Planning, and passing written examinations in taxation, retirement planning, insurance, estate planning and investments. Continuing education is required.

What is a Registered Investment Advisor?

An individual or entity who assists a client in the selection of appropriate investment vehicles, and who is registered either with their state Securities Office or the SEC.

Do you sell securities or insurance products?

No.

Whom do you advise?

Individuals who have financial, investment or retirement questions, or who wish to plan for their financial futures.

How much money do you need to start a financial plan?

No minimum dollar amount is required.

Do you provide legal services?

No.

What is a financial plan?

An in-depth review of your financial situation, taking into account your goals and objectives, and focusing on income tax planning, estate planning and retirement. A written plan analyzes your situation and helps to determine the best way to achieve your financial goals.

How much do you charge?

My current rate is $175 per hour.

What kinds of investments do you recommend to purchase?

Primarily no-load mutual funds.

Do you guarantee investment performance?

No.

Will client information be kept confidential?

Yes.

Once a plan is completed, does the relationship end?

No. Periodic consultations can be scheduled.

Fiduciary Oath

The advisor shall exercise his/her best efforts to act in good faith and in the best interests of the client. The advisor shall provide written disclosure to the client prior to the engagement of the advisor, and thereafter throughout the term of engagement, of any conflicts of interest which will or reasonably may compromise the impartiality or independence of the advisor.

The advisor, or any party in which the advisor has a financial interest, does not receive any compensation or other remuneration that is contingent on any client’s purchase or sale of a financial product. The advisor does not receive a fee or other compensation from another party based on the referral or the client’s business.