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

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Customers rated this pro highly for professionalism, responsiveness, and work quality.

Read reviews that mention:

• financial・18

• finances・2

• savings・1

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Swapnil S.

Feb 19, 2022

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Hired on Thumbtack

Hired on Thumbtack

Dave is very knowledgeable and friendly person. He helped understand the importance of financial planning for my family and different pieces of planning in very details. I will definitely recommend Dave to anyone who is looking financial advice of any kind.

Dave Czarnecki, CFP®, CLU®, ChFC®, RICP®'s reply

Appreciate your kind words and the time we've spent together so far Swapnil!

Personal Financial Planning

Diandra F.

Jan 14, 2022

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Hired on Thumbtack

Hired on Thumbtack

Enjoyed speaking with Dave during our consultation. He was genuinely interested in learning about my financial goals. I am looking forward to working with him and his team to develop a sound game plan for my future.

Dave Czarnecki, CFP®, CLU®, ChFC®, RICP®'s reply

It has been a pleasure getting to know you and help you with your planning Diandra and appreciate your kind words

Personal Financial Planning

Jason R.

Oct 18, 2021

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Hired on Thumbtack

Hired on Thumbtack

I was searching for someone to do an overall review of my wife and I’s current retirement planning practices. Dave did a great job of listening to where we are and where we want to go. We are planning to meet at a later date to discuss what options we need to consider moving forward. He is a great resource! If you have not had someone take a look at your retirement plans I would highly recommend Dave and his team!

Dave Czarnecki, CFP®, CLU®, ChFC®, RICP®'s reply

It has been wonderful getting to know you and your family Jason - appreciate your kind words!

Personal Financial Planning

Stephanie P.

Jun 12, 2021

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Hired on Thumbtack

Hired on Thumbtack

Dave is excellent. Visual, engaging and helps the client understand all aspects of financial planning. Listens, documents, and creates a plan quick and efficiently.

Dave Czarnecki, CFP®, CLU®, ChFC®, RICP®'s reply

Thank you so very much for the kind words Steph - it has been fun getting to know you!

Personal Financial Planning

Alex H.

May 25, 2021

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Hired on Thumbtack

Hired on Thumbtack

Dave made me feel comfortable and valued. He took the time to get to know my personal story. So, not only was our meeting formal and professional, it was interpersonal and relatable.

Dave Czarnecki, CFP®, CLU®, ChFC®, RICP®'s reply

Thanks Alex, enjoyed the conversation as well and looking forward to helping you and your family.

Personal Financial Planning

FAQs

• What should the customer know about your pricing (e.g., discounts, fees)?

  My team and I offer a complimentary initial phone/virtual consultation with all prospective clients. We are compensated in several ways for giving advice to clients: 1. Fee-based financial planning engagement if we decide there is enough complexity where a fee-based plan is appropriate. A fee-based planning engagement is typically $1000-$5000 depending on the scope and complexity and how much time our time our team puts into the analysis. NOTE: for most active clients that implement insurance and/or investments with us we DO NOT charge for a financial plan and offer the financial planning as a complimentary service but are happy to build a fee based plan together in a fiduciary capacity. 2. By broker dealers for implementing and managing investment accounts we provide advice on (IRAs, Roth IRAs, Backdoor Roth IRAs, SEP IRAs, Solo 401ks, Inherited IRAs, Non Tax Qualified Accounts, 529 Accounts, etc) 3. By insurance companies through a commission for implementing insurance products that address defensive gaps in client's planning such as long-term care, disability and life insurance. 4. Networking/Introductions - referrals are extremely important and valuable to us and clients typically will introduce us each year to several friends/family/colleagues of theirs that they care about and think would benefit from learning about the work we do.

• What is your typical process for working with a new customer?

  My team and I run a national financial planning practice working efficiently and virtually with clients all over the country in over 30 different states. While we are geographically located in Milwaukee, WI and have the ability to meet in person with local clients, nearly all meetings are held via remote video conference or over the phone. We also have local contacts throughout the country that we are happy to refer you to for a face to face meeting if desired whether it is for financial planning, insurance, investment, tax advice, estate planning advice, etc. 1. Discovery meeting/initial phone consultation to learn what's on your mind and what's important to you 2. Recommendations review meeting to share specific strategies 3. Refinement/Implementation meeting 4. Periodic review meetings with active clients (anywhere from quarterly to annually or as needed on an adhoc basis)

• 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 - WI and numerous other states FINRA Investment Advisor/Representative, SIE, Series 6, Series 63, Series 7 Million Dollar Round Table (MDRT), Qualifying Member Associate in Customer Service (ACS)