Question 1

Do you have a customer satisfaction or refund policy?

Accepted Answer

**Termination & Refund Policy** We stand behind the value of the advice and service we provide. If, at any time during your annual service period, you are not satisfied with your experience, you may terminate your advisory agreement by providing written notice. Upon receipt of your written request, we will issue a full refund of your flat annual advisory fee&#8212;even if your request is made on the 364th day of your annual agreement.

Question 2

Why should I choose you as my financial advisor?

Accepted Answer

Everyone deserves a financial advisor who takes the time to understand your goals, explain your options, and build a strategy that's designed specifically for you&#8212;not a one-size-fits-all solution. When you work with me, you can expect honest advice, proactive communication, and a relationship built on trust. I believe financial planning should be educational, not intimidating. My goal is to help you understand the reasoning behind every recommendation so you can make informed decisions with confidence. I take a comprehensive approach to financial planning, looking beyond your investments to consider retirement planning, taxes, risk management, employer benefits, cash flow, and long-term wealth preservation. Whether you're preparing for retirement, changing jobs, or simply looking for a second opinion, I'll help you evaluate your options and create a plan that's aligned with your goals. One advantage I offer is the opportunity to build a long-term relationship with an advisor who plans to be there for you through every stage of life. While I bring advanced education, leadership experience, and a commitment to continuous professional development, I also bring the energy and accessibility to grow alongside my clients for decades. My goal isn't simply to help you with today's financial decisions&#8212;it's to become a trusted advisor for you and your family for years to come. I also believe accountability matters. Our flat annual fee and client-friendly refund policy reflect our commitment to acting with integrity. If you're not satisfied with the value we provide, you can terminate your agreement and receive a full refund of your annual advisory fee. That means we earn your trust through our servicenot by locking you into a long-term commitment. Above all, I want to be a long-term partner you can rely on. My success is measured by the confidence and peace of mind my clients have knowing they have someone looking out for their best interests every step of the way.

Question 3

How do you charge for your services?

Accepted Answer

I believe the way you're compensated should fit the way you want to work with an advisor&#8212;not the other way around. Because we're an independent firm, we're not tied to a bank, wirehouse, or proprietary investment platform. That gives us the flexibility to recommend the solution that's in your best interest, not ours. Some clients prefer comprehensive financial planning for a flat annual fee, where we become their personal financial team and help with retirement planning, tax strategies, insurance analysis, estate planning coordination, investment guidance, employer benefits, and ongoing financial decisions. Others prefer ongoing investment management for a fee based on assets under management. Some simply need guidance on a specific investment or insurance solution. We can accommodate each of those needs. The benefit is that you don't have to fit into our business modelwe adapt to yours. Whether you're looking for a one-time plan, ongoing financial advice, active portfolio management, or help implementing a specific strategy, we'll recommend the service that best fits your goals. Above all, our independence allows us to focus on what's best for you. My objective is to build a long-term relationship by providing advice that's tailored to your needs, not driven by proprietary products or sales quotas.

Question 4

What services do you provide?  What are your specialties?

Accepted Answer

My specialty is helping individuals and families create a comprehensive financial strategy that brings every piece of their financial life together. Rather than focusing solely on investments, I help clients coordinate retirement planning, investment management, taxes, insurance, estate planning, and cash flow into one cohesive plan. I also have extensive experience helping professionals navigate employer benefits, including 401(k)s, IRAs, pensions, company stock, employee stock purchase plans (ESPPs), and restricted stock units (RSUs). Whether you're approaching retirement, changing jobs, or simply looking for a second opinion, I help simplify complex financial decisions and build strategies that align with your long-term goals.

Lauren Bone