FAQs
- What should the customer know about your pricing (e.g., discounts, fees)?
Unlike many advisors, I do not sell financial products, receive commissions, or accept other forms of conflicted compensation. I also do not charge fees based on a percentage of your assets. My compensation is based on time and the scope of the services provided. Depending on your needs, services may be offered on a project, hourly, or subscription basis. Fees are customized to your specific situation and the complexity of the work involved. Because every situation is different, the best way to determine the appropriate service and fee is through a no-charge introductory consultation, where we can discuss your goals and whether I am a good fit for your needs.
- What is your typical process for working with a new customer?
Choosing a financial planner is an important decision, which is why I begin with a no-charge, no-obligation introductory consultation. During that meeting, we'll discuss your goals, concerns, and what you're hoping to accomplish. If we're a good fit and I'm in a position to help, I'll provide a written proposal outlining the scope of services, fees, and next steps. Every engagement is customized to the needs of the individual or family I serve. Depending on the situation, we may work together on a specific project, address a particular question, or develop a broader financial plan covering retirement, taxes, investments, estate planning, cash flow, and other financial matters. Financial planning is a process rather than a one-time event. As your circumstances and priorities change, you may choose to continue working together through project, hourly, or subscription services, giving you ongoing access to objective advice and guidance when you need it.
- What education and/or training do you have that relates to your work?
For more than 30 years, I have worked in the financial services profession, helping individuals and families navigate important financial decisions. I believe education and continuing professional development are essential to providing thoughtful, objective advice. Professional Designations: • Certified Financial Planner™ (CFP®) • Certified Retirement Counselor® (CRC®) • Chartered Retirement Plans Specialist℠ (CRPS®) • Chartered Federal Employee Benefits Consultant℠ (ChFEBC℠) • Certified Financial Education Instructor℠ (CFEI℠) My background includes extensive experience in retirement planning, tax planning, investments, cash flow, estate planning coordination, and employer-sponsored retirement plans. I also maintain affiliations with a number of professional organizations dedicated to fiduciary practices and financial planning.