FAQs

Making sound financial decisions and managing your finances effectively requires time, research, education, and experience. We stay at the forefront of an ever-changing industry through ongoing education, market research, and close attention to regulatory changes. Ultimately, the value of professional guidance depends on whether you feel qualified and comfortable making these important decisions on your own.

Yes. As CERTIFIED FINANCIAL PLANNER™ professionals, we are held to the highest standard in the industry. We are legally and ethically obligated to always act in your best interest, putting your needs ahead of our own.

Your assets are held with LPL Financial, a Fortune 500 company and custodian. This ensures your assets are safe and allows us, as independent advisors, to choose the best investment products for you without being forced to use proprietary funds.

We believe in total transparency. Any form of compensation will be clearly explained when you first start working with us, but the below examples provide a general overview.

• Investments: We typically charge a percentage of the assets we manage for you. This aligns our incentives with yours—we do better when you do better. These fees are deducted automatically each quarter from your accounts.
• Insurance: For Long-Term Care or other insurance policies, we act as brokers and receive a commission from the carrier.
• Financial Plans: We do not charge a separate fee for creating your financial plan.

No. We believe that everyone deserves access to professional financial advice, whether you are landing your first job or planning your retirement. We are happy to guide you on your financial journey regardless of your current account balance, provided we are the right fit for each other.

Let’s find out. We will run a comprehensive financial plan to see how your income, savings, and expenses align with your dreams. We’ll look at your Social Security, pensions (like PSERS), and savings to build a roadmap for your future.

Absolutely. We serve clients all across the country. We can meet via video call (Zoom/Teams), phone, or in person—whatever fits your schedule and preference.

We tailor our communication to your specific preferences, but generally, our schedule looks like this:

• Onboarding: 1–2 initial meetings to build your comprehensive plan.
• Check-Ins: Periodic calls to review statements or answer new questions.
• Annual Reviews: A "big picture" meeting at least once a year to review your investment performance and adjust your plan as your life and priorities change.
• As Needed: We are always just a phone call or email away if you have a sudden life event or pressing question.

Yes. Our initial consultation is completely complimentary. This is a "no-pressure" conversation designed for us to get to know one another. It helps us understand your needs and helps you decide if we are the right fit for your life.

Our first meeting is designed for us to listen and learn. We want to hear your story—your successes, your goals, and your financial worries. Whether you are focused on immediate needs like buying a home, or long-term objectives like early retirement, we will assess your situation and discuss how a tailored financial plan can bridge the gap between where you are and where you want to be.

To get the most out of the meeting, it helps to have a general idea of your income, debts, and savings. Don’t get caught up in exact numbers, but if you have recent statements for existing investment accounts (like an IRA, 401k, or 403b), please bring those along.

We want to guide you on your journey to help transform financial uncertainty into financial confidence.