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. Using video teleconferencing and virtual financial planning software, I can easily adapt to the needs of my clients. While I am a financial advisor in St. Louis, MO, I have clients based all over the country.

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 scales with the complexity of the plan/project.