FAQ

Frequently asked questions.

What makes your firm different?

  • We act as a fiduciary for our clients.
  • We are fully independent and objective.
  • We are a fee-only firm.
  • We love problem solving and leveraging our combined professional expertise, experience and education to develop custom strategies to achieve your personal goals and objectives.
  • We begin by getting to know you and your goals. This becomes the foundation on which we build a coordinated strategy to achieve your goals and objectives which provides the necessary structure for every financial decision you make.

What is a Fiduciary?

  • A fiduciary accepts the legal and ethical responsibility of taking care of the needs of another person for that person’s benefit. A fiduciary always puts your needs ahead of their own, even when it is in conflict with their own interest.

What do you mean, you are "fee-only"?

  • A fee-only planner is someone who, in all circumstances, is compensated solely by the client, with neither the advisor nor any related party receiving compensation that is contingent on the purchase or sale of a financial product. A fee-only planner does not receive commissions, rebates, awards, finder’s fees, bonuses, or any form of compensation from others as a result of a client’s implementation of his or her planning recommendations. As a fee-only firm, we have removed this conflict of interest because we are not dependent on selling products.

What’s a CFP®?

  • A CFP® professional is an individual who has a demonstrated level of financial planning technical knowledge, experience in the field, and holds to a client-centered code of ethics. In addition to completing the initial course work and passing the stringent CFP® Board certification examination, CFP® professionals must maintain the designation by completing ongoing continuing education requirements. All CFP® designees have voluntarily submitted to the authority of the CFP Board, which can suspend or permanently revoke an individual’s CFP® certification if findings of unethical conduct are made.

What’s a CPA?

  • CPAs must have achieved minimum college education requirements, minimum experience levels working in a CPA firm environment, and the successful passing of the Uniform CPA examination. CPAs are licensed and regulated by state boards of accountancy. In addition, in order to maintain their license, CPAs must complete 80 hours of continuing education every two years.

What is the difference between an investment adviser and a financial planner?

  • Most financial planners are investment advisors, but not all investment advisors are financial planners. A financial planner assesses all aspects of your financial life—including savings, investments, insurance, taxes, retirement, and estate planning—and will help you develop a coordinated strategy or financial plan for meeting your financial goals. Others call themselves financial planners, but they may only be able to recommend  a narrow range of solutions. Before you hire any financial professional, you should know exactly what services you need, what services the professional can deliver, any limitations on what they can recommend, what services you're paying for, how much those services cost, and how the advisor or planner gets paid.