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

Fiduciaries are required to put their clients interest above their own, do what is best for their clients, and to fully disclose conflicts of interest. Currently, only Registered Investment Advisers are legally held to the fiduciary standard of putting their client first. 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.


Fee-Only

It may sound crazy, but most 'advisers' can increase their pay by advising clients to invest in higher-cost investments that pay the advisor higher commissions. 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.


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, career development, debt management, estate planning, and more. 


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.

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Our Process

We start with a free initial discovery meeting to explore your goals and explain how financial planning can help achieve them. 

From there, I develop a detailed plan including analysis of your current situation, explaining potential alternatives, and recommending a course of action.