Frequently Asked Questions

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A financial planner helps you manage and plan for various aspects of your financial life, including retirement, investments, taxes, estate planning, insurance, and budgeting. We work with you to create a personalized financial plan that aligns with your short- and long-term goals.

A financial planner provides expert advice, helping you make informed decisions about your money. We help you avoid costly mistakes, take

advantage of financial opportunities, and create a strategy to achieve your goals, whether it's saving for retirement, paying for college, or

building wealth.

Financial planners are typically compensated in one of three ways:

• Fee-only: Paid directly by the client via hourly rates or a flat fee.
• Commission-based: Earns commissions from financial products or investments.
• Fee-based: A combination of fees and commissions.

Our practice operates on a commission-based model to ensure transparency and align our services with your best interests.

For your first consultation, it’s helpful to bring:

• A summary of your current finances (income, expenses, debt, savings, investments).
• Recent bank statements.
• Investment and retirement account information.
• A list of your financial goals (short-term and long-term).

These documents allow us to get a full picture of your financial situation and start creating a personalized plan. We provide you with the necessary forms and questionnaires prior to our first meeting.

We recommend meeting at least once a year to review your financial plan, but it depends on your needs. Major life changes—such as getting married, buying a house, or changing jobs—may require additional check-ins. We are always available to adjust your plan as your life and goals evolve.

Yes! Retirement planning is one of our core services. We help you assess how much you need to save, choose the right retirement accounts (like 401(k)s and IRAs), and create an investment strategy to ensure you’re on track to meet your retirement goals.

The terms are often used interchangeably, but there can be differences. A financial planner focuses on holistic financial planning, covering a wide range of topics such as retirement, insurance, and estate planning. A financial advisor may focus more on managing investments and providing advice related to specificfinancial products.

We believe financial planning should be accessible, which is why we offer a variety of services tailored to different needs and budgets. During our initial consultation, we will discuss your options and provide a clear understanding of our fees so you can decide if working with us is the right fit for you.

Yes, we help clients create detailed budgets that reflect their income, spending habits, and financial goals. We also offer tools and strategies to help you stick to

your budget and improve your savings.

While we do not provide tax preparation services, we work closely with tax professionals and can offer advice on tax-efficient strategies for investments,

retirement planning, and charitable giving to help minimize your tax burden.

Yes, we proved basic estate planning, such as creating wills, trusts, naming beneficiaries, Power of Attorney, and Advanced Healthcare Directives.

Every client has unique financial goals and circumstances, so we create personalized financial plans based on a comprehensive understanding of your income, debt, savings, investments, and life goals. We adjust strategies based on changes in your life such as career shifts, family growth, or new financial goals.

We work with a wide range of clients, including young professionals, growing families, business owners, and retirees. Whether you are just starting out with your

financial planning or looking to refine your investment strategy, we can create a plan tailored to your needs.