Frequently Asked Questions

Fee-only means I don’t receive commissions for recommending specific investments, insurance, or other financial products. You pay me for my advice, and my recommendations are made in your best interest.

Advice-only financial planning means I don’t take custody of your investments or require you to move your assets under my management.

Traditional financial advisors often manage investments and charge an ongoing percentage of the assets they manage. My model is different: you pay a transparent fee for financial planning and advice, rather than paying me a percentage of your portfolio. You keep control of your investments, and I focus on helping you make smart decisions across your entire financial life.

Yes, investment recommendations will be part of your financial plan. The difference is that I’m providing advice rather than managing your portfolio for you. You maintain control of your accounts and investments, while I help you determine an investment strategy that fits your goals, timeline, and risk tolerance.

Absolutely not. Everyone, regardless of their tax bracket or net worth, deserves and can benefit from high quality financial planning.

We’ll spend several months getting organized, understanding where you are today, defining where you want to go, and building a strategy to get there. We’ll look across your entire financial picture - not just your investments - and turn the big picture into a clear set of priorities and actions. The goal isn't to hand you a giant report and wish you luck; it's to help you build a financial system you can actually use.

You’re not required to become an ongoing client. Once your plan is complete, you can implement it yourself, with other professionals, or with my help on an hourly basis. If you want ongoing guidance, we can talk about what that could look like, but there’s no requirement to sign up for an annual management relationship.

Absolutely. Implementation support is available as part of the planning engagement and/or on an hourly basis, depending on the work.

That's okay. Advice-only planning can work particularly well for someone who already has investment management but wants more comprehensive financial planning. I can provide a second opinion or help you with areas of your financial life that aren't being addressed.