Fiduciary and Fee-only Advice

Client First


I believe everyone should have a financial adviser who puts the client first. That's why I chose to be fiduciary & fee-only financial adviser who is legally required to do what is best for my clients.

Unfortunately, many 'advisers' operate as commissioned salespeople, rather than true advisers. A fiduciary adviser must have a Form ADV filed with the SEC. Here's ours.

Fiduciary

As a Registered Investment Adviser, I chose to be held to the highest fiduciary standard in the industry. I am required to serve my clients' interests first in all aspects of planning and to fully disclose potential conflicts of interest. This isn't just a policy for me, it's a legal obligation.

Fiduciaries owe a legal duty of loyalty to their clients, are required to put their clients interest above their own, and to fully disclose an minimize conflicts of interest. Always ask an adviser to sign a fiduciary oath. Currently, only Registered Investment Advisers are legally held to the fiduciary standard of putting their client first. 


Fee-Only

As fee-only financial planner, I only accept compensation directly from my clients for the advice I provide. Meaning I don't have the typical conflicts of interest which come from commissions, kickbacks, or other forms of hidden compensation. My loyalty is to my clients.

It may sound crazy, but most 'advisers' are commissioned salespeople who are legally obligated to the interests of their companies. Commission structures often incentivise pushing particular company products, and advisers can increase their pay by advising clients to invest in higher-cost investments that pay the advisor higher commissions.


Comprehensive

Your life isn't just investments and retirement planning. I take an integrated approach which considers your entire financial picture. Planning goes beyond investments and retirement to incorporate all of your goals and includes cash flow analysis, tax planning, risk management, business advising, career development, debt management, estate planning, and more. If it touches money, it’s part of our planning process.


Life Planning

My one and only job is to help you achieve your goals. I view money as a tool to help you achieve your great life, both now and in the future. I begin our planning process by understanding your life goals, and then develop recommendations to help you achieve them. Every plan and every recommendation is designed with one goal in mind: to get you to your goals.

Financial+Planning.jpg

Take the First Step

We start with a free initial Discovery Meeting to answer your questions, explore your goals, and explain how financial planning can help achieve them.