Are you a fiduciary?

Yes. I do not receive commissions or any other kickbacks for the advice or investments I provide to my clients.  By avoiding any potential conflicts of interest, I put my clients first always.

How is a financial plan different from a budget?

A budget is a way to manage savings and expenses and can be part of a financial plan. A financial plan is much more comprehensive, linking your current circumstances to your financial goals by giving you actionable, measurable steps to complete.

Where will my money be located?

I use a custodian, which is basically a bank that holds investable assets such as stocks, bonds, and mutual funds. I can move money around inside your accounts but cannot write checks from your account.

How and when do you conduct meetings?

I try to make the meeting process as comfortable as possible for my clients. To make things as painless as possible, I conduct meetings via web conferencing for easy screen sharing and engagement. Generally, all my meetings are whenever is most convenient for my clients, even in the evenings.

How do you get paid?

I have two lines of business that I bill on: investment management and financial planning. I charge 1% per year of assets under management, billed quarterly. Financial planning fees start at $500 and scale with the complexity of the plan/project.