I don’t have a lot of money, so why do I need a financial plan?
It’s unfortunate that financial advisors have traditionally required their clients to have a high net worth. In my experience, it’s the folks who don’t have a lot of money who can benefit from careful planning toward achieving goals and protecting against catastrophe. This is why I don’t require a minimum net worth for the clients I work with. I believe that everyone should have access to the sound financial advice of a financial planner.
My employer is awesome. We have 401K matching and great benefits. Do I really need a financial advisor?
This is a situation where a good financial planner can really come in handy. Employers with good benefits often offer several choices on their menu of options. A financial planner can help you review those choices in light of your particular circumstances so that you can maximize the benefits available to you. You don’t want to leave one penny on the table!
Can I work with you if I already have a financial advisor?
Of course. Perhaps you’ve used the services of another financial advisor to purchase insurance or invest in a mutual fund. But you still have questions about how to best meet your financial goals. How do you optimize your employer’s benefits? Are you secure enough financially to start that business? These types of questions aren’t always addressed in every financial setting. Our services are designed to compliment the help you may have already received so that you have a complete financial plan with no gaps.
Do you make money from selling investment or other types of products?
Not at all. I am a fee-only financial planner. This means that the only payment I receive is from you – I make no money from the sale of any financial products. This model ensures that the only interests I am looking out for are yours.
Can I work with you if I don’t live in Texas?
Of course. The miracle of technology removes the limitations of location. We can work on your goals from any where at any time.
Can I cancel?
Absolutely. You’ll see the greatest results after working together for at least 12 months, but you there is never any obligation to continue working with me. A thirty day notice is required to cancel, and your final month’s fee will be prorated so that you only pay for the service you have access to.
This sounds really good; is it too good to be true?
Here’s the thing. Creating a financial plan that works for members of Gen X and Gen Y is what drives me forward each and every day. I spend my time refining the process so that you get the absolute best service for incredibly reasonable fees.
I am able to provide the best service by partnering with you to achieve your goals. Since we talk every few months, I understand where you are with respect to what you hope to achieve. Our close relationship allows me to focus on how we can fine tune your plan to get there faster.
I keep my fees low by taking advantage of technology and minimizing overhead such as an office suite in a financial center that previous generations would have considered mandatory. Since we have tools like email and Skype available to us, we aren’t limited by constraints like location to get things done. We can work quickly and efficiently, and that saves money.
Can’t I just do this myself?
If you can confidently decide on the right approach to paying off debt, choosing retirement accounts, maximizing your employee benefits, saving for your kids to go to college, and all the other decisions that play a part of your financial plan, then yes you certainly can. However, a professional brings years of experience and a big-picture approach to those choices. There’s a certain peace of mind that comes with having a wing man when you are building your wealth.