How Are Fee-Only CERTIFIED FINANCIAL PLANNER™ Professionals Different?
As Fee-Only CERTIFIED FINANCIAL PLANNER™ practitioners, we do things very differently than many of the financial advisors you may encounter. We’re not salespeople so we never charge you commissions on securities we buy or sell for your account. As fee-only planners, we earn our fees as a percentage of your assets under management. So when your investments do well, we do well.
As CERTIFIED FINANCIAL PLANNER™ professionals, we also must act as fiduciaries when providing financial advice to our clients. That means we are required to not just do a good job for you, but to always put the interests of you, our client, above our own interests or the interests of our firm. We ask questions and listen to understand your current situation and your future goals and then we develop a comprehensive strategy to help you meet them. No matter where you are in life, we want to help you live life to the fullest right now while building wealth for your future.
Our Fee-Only Philosophy
Our philosophy is simple. We serve individuals, families, and small businesses with trustworthy custom financial strategies based on your individual goals. We have chosen to be fee-only because we believe it to be in the best interest of our clients. We can plan effectively for long-term success without reliance on market timing, which is not effective. We do not sell any of the products we recommend nor do we receive commissions on the sale of financial products. We are compensated in one of two ways. First, you may contract on an hourly basis for consultation or planning services. Second, if you choose to have us construct a portfolio and manage it on an ongoing basis, you will be charged a percentage of the assets we manage for you. Either way, you are assured of both objectivity and professionalism.
Our Fiduciary Relationship With You
As fiduciaries, we understand that you’re entrusting us with a duty to put your interests ahead of our own. We get to know you personally and we can assist you in navigating all of life’s transitions. We can help you feel safe and secure knowing your finances are being managed for you to provide for your best life now and in the future. We measure success by how well we achieve your long-term goals rather than solely on performance statistics. Because we’re fee-only fiduciaries, you never have to worry that you are dealing with a salesperson. Our independence from commissions means we are always working for you.
See more about our fee-only fiduciary relationship with our clients on our FAQs page.