Fee-Only Financial Planning. . . the best way to serve our clients:
- We earn no commissions — ever
- We accept no third-party compensation or sales incentives
- We have access to the full universe of available solutions — not a limited product shelf
- Our only compensation comes directly from you — keeping our interests completely aligned with yours
The result is advice that is genuinely unbiased, fully independent, and built entirely around your unique situation — not around what pays us the most. Our goal is a long-term partnership with every client, grounded in trust, transparency, and personalized solutions that put your financial future first.
Our Approach
The pyramid represents our approach to financial planning. From top to bottom, the structure suggests strength, balance and continuity. Our pyramid illustrates the various components of financial planning and is built from a series of dialogues illustrated below.
1. Establishing and defining the client-planner relationship
We clearly explain the services that will be provided and determine both our responsibilities and yours. We will also fully explain how we will be compensated and any expenses that you will pay. At this point, a mutual agreement will be reached on how long the professional relationship should last and how decisions will be made.
2. Gathering client data, including long term goals
We gather information about your financial situation during the meeting and through questionnaires. During this time, we will mutually define your personal and financial goals, talk about the time frame for results, and if relevant discuss how you feel about risk through the results of a risk profile. We will then collect all of the necessary documents before giving the advice that is needed.
3. Analyzing and evaluating your financial status
We run an analysis of your information in order to assess your current situation and determine what you must do to meet your goals. Depending on what services you have asked for, this could include analyzing any part of the pyramid diagrammed above.
4. Developing and presenting recommendations
We offer recommendations that address your goals, based on the information you provide. In addition, we go over the recommendations with you to help you understand them so that you can make informed decisions. If you have any feedback, we revise recommendations as appropriate to address any concerns.
5. Implementing the financial planning recommendations
Depending upon what level of service agreement is determined, we may carry out the recommendations or simply serve as a guide; we coordinate the process with you and other professionals as needed.
6. Monitoring the financial planning recommendations
We agree on who will monitor your progress towards your goals. If the planner is in charge of the process, then we will report to you periodically via face to face meetings and phone consultations to review your situation and adjust the recommendations, if needed, as your life changes.