Why/How
Why with No B.S. Advising?
I have experience covering general financial planning principles, investment planning, retirement savings and income planning, risk management and insurance planning, tax planning, estate planning, professional conduct and regulation, and education planning.
In addition, I’ve received my Enrolled Agent credential, the highest tax professional credential recognized by the IRS, covering the taxation of individuals and businesses, and the representation of clients before the IRS.
Personalization
Life planning: Discussing why you chose your specific goals before we dive into how we’re going to get there. Are these the right goals? Is the ladder on the right wall?
Value driven finances, not the other way around.
Two-way Accountability: Consistency and no judgement.
Prioritized Planning: We’ll take care of the most urgent issue first to avoid overwhelming you and result in more immediate relief.
Optional monthly meetings ensures I stay in the loop of what’s happening in your life.
We always strive for elaborate results and do our best for our clients
Transparency
Fee-Only, Objective Advice: Fee-only financial planners have a legally binding responsibility to act in their clients’ best interest. They do not accept any compensation based on product sales. Therefore, there are fewer inherent conflicts of interest in their advice. Recommendations are less tainted by payment incentives.
My fee is also not based on the size of your investment account/assets. This reduces potential conflict of interest by ensuring I get paid the same amount regardless of what I recommend, even if the recommendations don’t involve contributing to investments, such as spending your money or paying down your mortgage.
Jargon free, direct, two-way communication. No conversation is off limits.
Finances/Career Simplified: One-page plan summary.
Affordability
Virtual meeting option saves time and money for both of us.
Income based fee: Annual fee is 2% of gross income and gross business receipts.
Income’s a good measure for relationship
Opportunity, Complexity/labor, Ability to pay
Payable monthly: You don’t have to pay all at once.
Example: If you and your spouse had total household income of $90,000, the annual 2% of income fee would be $150/month instead of $1,800/year.
$150/month is the minimum fee.
No hidden, cancellation, or initial upfront fees. An account may be terminated with written or verbal notice at least 30 days in advance. Upon termination, any unearned fee will be returned.
Opportunity cost
Missed opportunities compound in the same way investments and interest do Save your time and worry
How the process will go
Keep in mind both the process and services may change depending on your situation and goals.
