A fiduciary is a person or organization that acts on behalf of another person or persons, putting their clients’ interest ahead of their own, with a duty to preserve good faith and trust.
Fee-only planners and advisors do not earn commissions or kickbacks for recommending or selling financial products.
Financial life planning is comprehensive financial advice that centers around your goals and values.
We are unable to serve clients who are not US citizens. We can serve US citizen clients abroad or on extended vacation virtually.
We utilize electronic communications and systems with clients including Zoom, email, online portals, and shared folders. People who prefer primarily paper-based systems will not be a fit.
Someone wanting to trade a high concentration of individual stocks trying to beat the market is not a good fit.
Planning projects and our ongoing Prosperity Planner service are a flat fee based on scope and complexity
Assets Under Management and Advisement are % of portfolio value
Certain specialty services are billed hourly due to the unpredictable time needed including majority of divorce (CDFA®) projects
No, we are flexible to serve clients who have diverse portfolios which may have a concentration of closely held businesses, company stock, options, real estate or other alternative investments.
A CDFA® is someone who comes from a financial planning, accounting or legal background and goes through an intensive training program to become skilled in analyzing and providing expertise related to the financial issues of divorce.
See more information on the IDFA (Institute of Divorce Financial Analyst) website.
Yes, we offer a Power Session to do second opinions and limited scope questions. See more here.
We are willing to work flexibly with you in most cases.
The exception to this is when providing investment-related services we must assess certain plan components.
We can serve you completely virtually if needed. For ongoing Prosperity Planner clients we do prefer to meet 1-2 annually in person for more in depth planning.
Absolutely! We offer the Prosperity Planner service for the planning and can provide advice on your portfolio.