 Why
fee-only financial planning?
We do not accept
fees or commissions from any source other than our clients.
We believe that commissions introduce a conflict of interest
that cannot be easily eliminated.
We believe that
our annual fees (or anyone else’s for that matter) for
investment advisory services should not exceed 1% of the average
portfolio value.
Is there an account minimum?
No
What are the
elements of a comprehensive financial plan?
A review
of goals, cash management and budgeting, tax planning, investment
review and planning, estate planning, insurance needs analysis,
retirement planning, and education funding planning.
Do you provide
a written analysis of my financial situation and recommendations?
Yes
Is the analysis
tailored to my personal needs and goals?
Yes
Does your financial
planning service include recommendations for specific investments
or investment products?
Yes
Do you offer
continuous, on-going advice regarding my financial affairs,
including advice on non-investment financial issues?
Yes
Do you take
possession of, or have direct access to my assets?
No
Is your firm
registered as an Investment Advisor with the U.S. Securities
and Exchange Commission and/or the appropriate regulatory
authorities in this state?
Yes
How long have
you been offering financial planning services?
Since 1986
Are you a member
of any professional financial planning associations?
National Association of Personal Financial Advisors (NAPFA)
and The Financial Planning Association (FPA)
Will you provide
me with references from current clients?
Yes
Have you ever
been cited by a professional or regulatory governing body
for disciplinary reasons?
No
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