Q: What are your qualifications? What is your education background?

I am a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional and Managing Partner of Good Life Private Wealth, a fee-only, fiduciary wealth management firm. I hold a Bachelor's degree in Business from Abilene Christian University and an MBA in Finance from Oklahoma City University. The CFP® designation requires comprehensive education in financial planning, successful completion of a rigorous examination, and adherence to ethical and professional standards. In addition to my formal education, my experience includes serving as Vice President of Operations for a family business, where I oversaw a team of more than 50 employees. That background continues to inform my understanding of business ownership, financial decision-making, and operational complexity.

Q: Will you be the only person working with me?

Yes—when you work with me, I serve as your primary advisor and main point of contact. My role is to maintain a full understanding of your financial situation and ensure that decisions across investments, tax considerations, and long-term planning remain coordinated. You will work directly with me on an ongoing basis. At times, I may coordinate with your CPA, estate attorney, or other professionals as part of a broader planning process, but I remain responsible for overseeing the overall strategy and ensuring everything stays aligned.

Question 1

Do you have a customer satisfaction or refund policy?

Accepted Answer

As a fee-only advisory firm, we do not offer a "refund policy" in the traditional sense, as our work is based on an ongoing advisory relationship rather than a one-time service. That said, client relationships are never locked in. Clients may terminate their agreement at any time, and fees are typically prorated based on the services provided through the termination date. Our focus is on maintaining long-term relationships built on trust, transparency, and ongoing communication. If at any point a client has questions or concerns, we address them directly to ensure expectations remain aligned.

Question 2

Why should I choose you as my financial advisor?

Accepted Answer

Many people I work with already have access to advice. The difference is that their financial decisions are often being made across multiple areas&#8212;investments, taxes, estate planning&#8212;without a clear point of coordination. My role is to help bring those pieces together. I focus on ensuring that decisions are aligned and evaluated within the context of your full financial picture, rather than in isolation. That often includes working alongside your CPA, estate attorney, and other advisors to help ensure everything is moving in the same direction. I also work with a limited number of client relationships, which allows for a higher level of attention, continuity, and ongoing oversight as circumstances evolve. As a fee-only fiduciary, my advice is not influenced by commissions or product incentives. The focus is on helping you make informed decisions, evaluate trade-offs, and maintain a strategy that remains aligned over time.

Question 3

What are your qualifications? What is your education background?

Accepted Answer

I am a CERTIFIED FINANCIAL PLANNER&trade; (CFP&reg;) professional and Managing Partner of Good Life Private Wealth, a fee-only, fiduciary wealth management firm. I hold a Bachelor's degree in Business from Abilene Christian University and an MBA in Finance from Oklahoma City University. The CFP&reg; designation requires comprehensive education in financial planning, successful completion of a rigorous examination, and adherence to ethical and professional standards. In addition to my formal education, my experience includes serving as Vice President of Operations for a family business, where I oversaw a team of more than 50 employees. That background continues to inform my understanding of business ownership, financial decision-making, and operational complexity.

Question 4

How do you charge for your services?

Accepted Answer

I operate as a fee-only advisor, which means I am compensated directly by my clients and do not receive commissions or third-party compensation. In most cases, clients pay an ongoing advisory fee for comprehensive financial planning and investment management. The fee is based on the scope and complexity of the work involved and is discussed in detail upfront so there is a clear understanding before any engagement begins. All fees are fully disclosed, and clients always know how they are paying and what services are included.

Question 5

How are you compensated? How will I pay for your services?

Accepted Answer

I operate as a fee-only advisor, which means I am compensated directly by my clients and do not receive commissions or third-party compensation. In most cases, clients pay an ongoing advisory fee for comprehensive financial planning and investment management. The fee structure is based on the scope and complexity of the work, and is discussed in detail upfront so there is a clear understanding before any engagement begins. All fees are fully disclosed, and clients always know how they are paying and what services are included.

Question 6

If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Accepted Answer

In most cases, I manage client portfolios on a discretionary basis. This means I am authorized to make investment decisions on your behalf without needing to obtain approval for each individual transaction. This approach allows for more timely and efficient implementation, especially as market conditions or your financial situation change. That said, all decisions are made within the framework we establish together. We discuss your goals, risk tolerance, time horizon, and preferences upfront, and your portfolio is managed in alignment with that plan. If a client prefers a non-discretionary arrangement, where approval is required before trades are made, that can also be discussed.

Question 7

How many clients do you currently manage?

Accepted Answer

I work with a limited number of client relationships by design. This allows me to provide a higher level of attention, coordination, and ongoing oversight as clients navigate more complex financial decisions. As new relationships are considered, the focus is on ensuring there is capacity to maintain that level of service and responsiveness.

Question 8

Will you be the only person working with me?

Accepted Answer

Yes&#8212;when you work with me, I serve as your primary advisor and main point of contact. My role is to maintain a full understanding of your financial situation and ensure that decisions across investments, tax considerations, and long-term planning remain coordinated. You will work directly with me on an ongoing basis. At times, I may coordinate with your CPA, estate attorney, or other professionals as part of a broader planning process, but I remain responsible for overseeing the overall strategy and ensuring everything stays aligned.

Question 9

Do you offer any guaranteed results?

Accepted Answer

No. I do not offer or guarantee specific investment results or outcomes. All financial and investment decisions involve risk, and outcomes will vary based on market conditions and individual circumstances. My role is to help you make informed decisions, evaluate trade-offs, and implement a strategy that is aligned with your goals and overall financial situation. The focus is on thoughtful planning, disciplined decision-making, and maintaining alignment over time&#8212;not short-term performance guarantees.

Question 10

How much risk should I be willing to take?

Accepted Answer

The amount of risk you should take depends on your specific goals, time horizon, and overall financial situation. Rather than starting with the market, I focus on what you're trying to accomplish. The level of risk in a portfolio should be aligned with the role those assets play in your broader plan&#8212;whether that's long-term growth, income, or preserving capital. Risk also needs to be considered in the context of your full financial picture, including income stability, other assets, liquidity needs, and upcoming decisions. Two individuals with similar portfolios may have very different risk profiles based on those factors. Ultimately, the goal is not to take more risk than necessary, but to take the appropriate level of risk required to support your long-term objectives.

Question 11

Have you ever been charged with any breaches?

Accepted Answer

No. I have not been charged with any regulatory or disciplinary breaches.

Question 12

What services do you provide?  What are your specialties?

Accepted Answer

I provide comprehensive financial planning and investment advisory services, with a focus on helping clients coordinate decisions across their full financial picture. My work includes portfolio management, ongoing financial planning, and evaluating decisions around retirement, cash flow, and long-term goals. A key part of my approach is integrating tax considerations into financial decisions and working alongside clients' CPAs and estate attorneys to help ensure strategies remain aligned. I often work with business owners, corporate executives, and high-income professionals navigating more complex situations, including equity compensation, concentrated positions, and liquidity events. The focus is on helping clients bring clarity, structure, and coordination to financial decisions that are increasingly interconnected.

Question 13

What is your experience?  How many clients do you currently manage?

Accepted Answer

I am a CFP&reg; professional and Managing Partner of Good Life Private Wealth, a fee-only, fiduciary firm. My experience includes working with individuals and families whose financial lives have become more complex, particularly around business ownership, equity compensation, and significant financial transitions. Prior to founding the firm, I served as Vice President of Operations for a family business, where I oversaw more than 50 employees. That experience continues to shape how I think about financial decision-making and business ownership. I work with a limited number of client relationships by design. This allows me to provide a higher level of attention, coordination, and ongoing oversight as clients navigate important financial decisions.

Question 14

What financial institution(s) do you represent?

Accepted Answer

I am an independent, fee-only advisor and do not represent any specific financial institution or product provider. Client assets are typically held with a third-party custodian, such as Charles Schwab, which provides account custody, reporting, and security. This structure helps ensure transparency and separation between the advisor and where assets are held.

Question 15

What is your approach to financial planning?

Accepted Answer

My approach to financial planning is centered on coordination and informed decision-making. As financial situations become more complex, decisions around investments, taxes, estate planning, and risk management often become interconnected. Rather than addressing those areas in isolation, I focus on ensuring they are aligned and working together as part of a unified strategy. The process typically begins with understanding your current situation, goals, and the decisions in front of you. From there, I help evaluate trade-offs, model potential outcomes, and develop a framework for making decisions with the full picture in view. In many cases, this also involves working alongside a client's CPA, estate attorney, and other advisors to ensure strategies remain coordinated over time. Financial planning is not a one-time event. It is an ongoing process of evaluating decisions, adapting to changes, and maintaining alignment as circumstances evolve.

Question 16

What services do you offer?

Accepted Answer

I provide comprehensive financial planning and investment advisory services, with a focus on helping clients coordinate decisions across their full financial picture. This includes portfolio management, ongoing financial planning, and evaluating decisions related to retirement, cash flow, and long-term goals. I also incorporate tax considerations into planning and work alongside clients' CPAs and estate attorneys to help ensure strategies remain aligned. In many cases, I support clients through more complex situations such as equity compensation, concentrated positions, and business or liquidity events. The focus is on helping clients make informed decisions and maintain alignment as their financial lives evolve.

Justin Hall, CFP®

Justin Hall, CFP^®