Fee-Only Financial Planning

A financial planner who has a financial stake in the course of action that he/she recommends to a client faces an inherent conflict of interest and cannot be considered objective and unbiased. This is true even if the planner truly believes that he/she has only the best interests of the client at heart. Unfortunately, the vast majority of financial advisors in the United States are sellers of financial products. Some or all of their income may be dependent upon their ability to steer their clients to a limited number of the thousands of financial products available today. (Putting aside the conflict-of-interest factor, this limiting of choices, in and of itself, often is enough to impact the quality of the investment advice.)

These advisors include stock-brokers, analysts, insurance agents, accountants and attorneys, as well as financial planners. Many of their clients are not aware of their advisors’ dependence on selling products, or do not recognize its significance.   We (along wiht NAPFA) believe that many of the problems that beset Americans today in their financial affairs – including the mismanagement of debt, failure to protect retirement assets and poor allocation of savings and investments – relate directly to the conflicts of interest that pervade the marketplace.

What is Fee-Only Financial Planning?

The success of a financial planner should be based on the success of his or her clients, not on the number of products a client purchases. That is why we accept no referral fees, commissions, or other reimbursements from the implementation of recommendations. The only compensation we receive is what you pay us directly.  Being compensated by a predetermined client fee, rather than commissions, reduces potential conflicts of interest and helps ensure the advice you receive is in your best interests.

Fee-only commitment

our compensation is never contingent on the outcome of any financial transaction you make. We accept no commissions. Our only compensation is what you pay us directly.

Why Hire a Financial Advisor?
Most people are not financial experts, yet increasingly individuals are in charge of their own financial futures. Most are aware that planning is critical but don’t have the time or the expertise to develop a plan and make the needed financial decisions. Steve works as your partner in the planning process, helping you to enjoy your life more today while building the future you desire.

What Makes us Different?

• Holistic approach to planning:  all the financial areas of your life, including taxes and real estate, are integrated in one overall, comprehensive plan.
• Focus on client education:  education is our number one priority. We take the time to make sure you understand our advice.
• Full-service retainer:  with this open-end retainer, you may visit or call anytime in addition to your scheduled appointments, at no extra cost. (For less extensive planning needs, a variety of affordable retainer options are available.)
• Complimentary initial consultation:  call or email us to schedule a meeting for us to review your situation and develop a proposal.

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