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IF I UNDERSTAND YOU CORRECTLY…
You recognize that you have the sole responsibility for your (and your family’s) financial future. Gone are the days of the pension and there is a level of uncertainty surrounding social security. You have this ongoing tension between taking care of your wants and needs today yet you know you also need to take care of your future self’s wants and needs too. Your future self (and your family) is relying on you. Allow me to be an advocate for both your current and future self.
Which best describes you?
1. DO IT YOURSELFER (DIYer)
You acknowledge you need:
Expert validation you are doing the right things for your financial future
Professional assurance you aren’t overlooking opportunities
Detailed instructions if there are changes that should be made
You do not want:
To be sold investments or insurance policies
To turn over control of your money: you feel more comfortable managing it yourself
An ongoing commitment to anyone much less a financial planner
DO IT YOURSELFER (DIYer)
You may feel like you have just about all the areas in your financial life on cruise control and only need assistance with one or two pressing questions or areas. You are literally just looking for professional advice, and you only want it from someone who is going to represent your best interests. In other words, you want to work with a fiduciary.
Manage investments across all accounts
If you are like most of my other DIY clients, your number one concern is that you want to know how to manage your investments across all your accounts as opposed to your current piecemeal investment strategy while also taking advantage of any additional opportunities you may be overlooking. You may also want to ensure that all of your aggressive savings is putting you on track to be able to retire at some point. Perhaps you are contemplating buying an investment property and would like an unbiased opinion on its potential value as an investment. Maybe you are buying your first home and need some help evaluating your mortgage options. I can help.
Time based professional advice
I am here to provide you the professional advice and education to help you (as a DIYer) implement your strategy. As you’ve probably assumed, this type of engagement is based on the estimated amount of time our engagement is expected to take. The key word here is expected to take. I will not be running a clock because I never want you to feel rushed and worry that every question you ask will add to a bill. Instead, I estimate the amount of time that any given engagement will take and provide an upfront cost based on my hourly rate of $280/hour. Please schedule a meeting to learn more.
2. DELEGATOR
You acknowledge you need:
Ongoing support and availability of a CERTIFIED FINANCIAL PLANNER(TM)
Expert guidance in most (if not all) areas of your financial life
Assistance or delegation of managing your investment accounts
You do not want:
To be sold investments or insurance policies
To worry about making any large financial decisions without expert advice
Someone whose compensation is tied to how much money they manage
DELEGATOR
There is good reason for the Heraclitus quote, “The only thing constant is change.” Your life has probably changed quite a bit in the last several years. And there probably isn’t any reason to think that it won’t continue to change over the next several decades. This service is ideal for those of you that are looking for your person—whatever you want to call him/her (financial planner, financial coach, financial adviser, personal CFO, etc.). Basically, the person that is there for you when you need him/her to discuss anything that comes up in your financial lives (getting married, buying a house, having a child, changing jobs, etc.). The person that wants what is best for you like family but has the expertise of a professional.
I am proud of being this person for my delegator clients.
My Delegator service includes:
- Initial financial plan outlining steps to take to achieve your current and future financial goals. This includes:
- - Retirement Planning
- - Investment Strategy
- - Budget Analysis
- - Debt Reduction
- - Education Planning
- - Life Insurance Analysis
- - Employee Benefit Analysis
- Ongoing Support (Including Money Management) to revise our initial plan based on the continuing changes in your lives
For this sort of service I charge a flat monthly fee that ranges between $75-$300 per month with a one-time onboarding fees of $500-$2000. Please schedule a meeting to learn more.
