FAQs

We are a flat fee financial advisory firm that provides recommendations, comprehensive financial planning, and wealth management. That means we can give you money advice, craft a detailed plan for your finances, or manage investments for a fixed rate.

 For more information CLICK HERE. 

Nope. We still help you with advice and recommendations.  

If we are managing your investments, your money will be held at Charles Schwab, a large financial services firm that supports independent firms like ours. They serve as the custodian of your money. YOU will always have access to your account(s) through the charles schwab app, website, and phone line. You also will be able to contact us.  YOU ARE NOT REQUIRED TO MOVE YOUR FUNDS WITH US. OUR ADVICE AND PLANNING SERVICE ALLOWS YOU TO KEEP YOUR FUNDS AT THE SAME COMPANY THEY ARE AT NOW IF YOU WANT TO.  

• • The price is determined based upon the complexity of the client’s needs, wants, and the resources required to service the client household. 

• • INVESTMENT AND WEALTH MANAGEMENT PAYMENTS ARE MADE MONTHLY OR QUARTERLY FROM THE INVESTMENT ACCOUNTS WE MANAGE AT CHARLES SCHWAB. IF WE DON’T MANAGE YOUR INVESTMENTS, A BILLING ARRANGEMENT WILL BE MADE. PAYMENTS CAN BE MADE ONLINE WITH A DEBIT/CREDIT CARD THROUGH PAYMENT PROCESSOR ADVICEPAY.  
  • Our price quotes are invoiced prior to any signed agreement. Complex requests/research/ and the scope of work will factor into the price.  

We help you get these items but we don’t sell them. Instead, we provide insurance analysis and  recommendations for your best interest to help solve your unique FINANCIAL situation. WE DO THIS WITH A SKILL SET KNOWN AS FINANCIAL PLANNING. Plus, we help you get these items and answers without taking a commission from banks, insurance companies, or brokerage investment companies. This allows us to give independent advice and recommendations for our clients.  

In the finance industry, WE ARE called A fee-only planning FIRM. It means your payment relationship is directly with US. This is important because some (not all) advisors are limited to SELLING products at certain companies which may be more expensive to you and less effective solutions. Does your current advisor OR AGENT MAKE SALES commission OFF OF WHAT YOU BUY? You may want to find out. As a fee-only firm, our loyalty is to you.  The LA Times explains this in more detail, click here.

Certified Financial Planner Professional. They help you uncover the answers and build a plan for a brighter future. Learn more here.