FAQs

Licensed by the Certified Financial Planner Board of Standards, CFPs must satisfactorily complete an advanced college-level course of study addressing financial planning subject areas, including insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning. In addition, they must pass the comprehensive CFP^® certification examination and obtain at least three years of full-time financial planning-related experience. To maintain the designation, CFPs must complete 30 hours of continuing education every two years.

The financial services industry is regulated by FINRA, the independent regulator for all securities firms doing business in the United States. FINRA's chief role is to protect investors by maintaining the fairness of the U.S. capital markets. As such, FINRA regulates the type of specific information we may disclose to you about our services. For example, we are not allowed to tell you the average growth rate of our clients’ portfolios, nor provide you with any financial information about our firm’s successes with clients that would create an impression that we can guarantee specific rates of return with your money.

Our compensation is transparent, so you know what we make and the value we provide. Because each client's situation is unique, we'll work with you to establish a fee structure that is best suited to your needs. That may include a fee-only, commission only, or combination structure. We invite you to contact us to discuss your circumstances, and we will be happy to outline the basics of a personalized financial plan and discuss possible costs at no obligation to you.

While we do not have a minimum account size, our services are best suited for clients who have focused on saving and have developed a mature attitude toward their finances.

Many people with the knowledge and experience to manage their own assets will procrastinate when it’s time to make a decision. Often their financial choices take a back seat to jobs or family concerns. We add value not only by helping you develop a plan, but also by implementing and adjusting it when necessary. Our knowledge and insight can help you define a vision, create a strategy, implement changes, and adjust your plan as necessary to help work towards your financial and personal goals.

Securities and Exchange Commission Rule 206(4)-1(a)(1) prohibits advertising “which refers, directly or indirectly, to any testimonial of any kind concerning the investment adviser or concerning any advice, analysis, report, or other service rendered by such investment adviser.”