Dave Czarnecki, CFP®, CLU®, ChFC®, RICP®

Credentials

FAQs

• What should the customer know about your pricing (e.g., discounts, fees)?
  My team and I offer a complimentary initial phone consultation with all prospective clients. We are compensated in several ways: 1. Fee-based financial planning engagement if we decide there is enough complexity where a fee-based plan is appropriate. Depending on the complexity a fee-based plan is typically $1000-$5000. NOTE: for the vast majority of clients we work with we do NOT charge a fee based plan and offer the financial planning for free. 2. By insurance companies through a commission for implementing insurance products that address defensive gaps in clients planning. 3. By broker dealers for investment accounts we provide advice on. 4. Networking - referrals are extremely valuable to us and clients typically will introduce us every year to several friends/family/colleagues of theirs that they care about and think would benefit from learning about what we do.
• What is your typical process for working with a new customer?
  My team and I geographically located in Milwaukee, WI and run a national financial planning practice. For local clients we have the ability to meet in person but 95% of the client meetings we hold are done remotely. We work with clients anytime and anywhere in the country using remote conferencing software with the same benefits of in person meetings minus the travel and germs. 1. Discovery meeting/initial phone consultation 2. Recommendations review meeting 3. Feedback/implementation meeting 4. Periodic review meetings with active clients (typically annually)
• What education and/or training do you have that relates to your work?
  CERTIFIED FINANCIAL PLANNER™ Professional (CFP) Chartered Life Underwriter (CLU) Chartered Financial Consultant (ChFC) Retirement Income Certified Professional (RICP) Certified in Long-Term Care (CLTC) Fellow, Financial Services Institute (FFSI) Fellow, Life Management Institute (FLMI) Insurance Agent, Accident, Health, Life, Variable Life & Variable Annuities FINRA Series 6 & 63 Associate in Customer Service (ACS)