Do you have a customer satisfaction or refund policy?
Yes
|
Why should I choose you as my financial advisor?
I'm a fiduciary and fully independent, meaning I'm required to put the interests of my client first and I'm not affiliated with an insurance company or broker dealer.
What's different about me is in how I communicate. I know that making financial decisions and changes can be difficult, which is why I first want to understand your why. Then I'll analyze your financial data and educate you about your choices without judgement or jargon. From there I present the financial recommendations that are most relevant to your life and goals.
To make my advice actionable, I provide a concise and customized summary with an easy-to-understand action plan that I'll support you to implement and maintain.
|
What are your qualifications? What is your education background?
I graduated with my Bachelor of Science in Business Administration in 2004 from Regis University in Denver, Colo. I started training at a boutique wealth management firm in 2016, and became licensed with my Series 7 in 2017 and Series 66 in early 2018. I'm also required to complete at least 12 credit hours of industry-specific learning each year.
I'm a lifelong learner, so devote time each year to taking financial classes, reading financial planning books and attending educational conferences. I regularly participate in mastermind groups with like-minded financial planners dedicated to improving their technical skills to better serve clients.
|
How do you charge for your services?
I offer flexible pricing including a flat fee for comprehensive financial planning, an asset-based fee for investments and an hourly fee for financial advice.
|
How are you compensated? How will I pay for your services?
As a fee-only financial advisor, I'm always transparent about what I charge.
Comprehensive Financial Planning: The initial financial planning engagement costs between $4,000 - $7,500 during the first year, based on the complexity of your financial situation. You can choose from monthly or quarterly payments. After the first year, you have the option to renew our planning engagement for an ongoing annual fee.
Investment Management: I don't receive commissions for trades. Instead, I charge an asset management (AUM) fee of 1.25% or less of your account balance each year from your account, based on asset amount.
Hourly Financial Advice: I charge an hourly rate of $300 for advice on just a topic or two. I will let you know the number of hours that I estimate will address your needs.
|
If you are going to manage my account, will you obtain my permission every time you buy or sell something?
No, I provide discretionary investment management, which means I make all the buying and selling decisions for a client's portfolio. In other words, the management decisions of the portfolio are at my discretion. However, I make these decisions according to the plan each client has agreed to and signed, and inform the client when I make a change to their portfolio.
|
How many clients do you currently manage?
22
|
Will you be the only person working with me?
Yes, I run a solo practice that is a Registered Investment Advisor under the State of Colorado's Division of Securities.
|
Do you offer any guaranteed results?
No, I don't believe anyone can guarantee financial or investment results.
|
How much risk should I be willing to take?
This depends on several factors, including your financial goals and needs, time horizon to reaching those goals, your age and other life factors. Your risk profile is something I determine as part of getting to know you.
|
Have you ever been charged with any breaches?
No
|
What services do you provide? What are your specialties?
I offer financial planning, retirement planning, investment management and financial advice. I incorporate cash flow and income planning, debt management, tax planning, estate planning and risk management into my financial planning process.
My specialities are working with mid-career professionals, particularly independent women and women-led households, who work in a leadership role. I have expertise analyzing executive compensation, including employee stock purchase plans, restricted stock units (RSUs) and incentive stock options (ISOs).
I help my clients plan for retirement readiness and when it's time, help them shift from earning a traditional paycheck to living on their hard-earned retirement savings.
|
What is your experience? How many clients do you currently manage?
I worked at boutique financial planning firms for six years before going fully independent and launching my Registered Investment Advisor firm in 2022. I currently manage 22 households and have the capacity to manage up to 40, which will allow me to continue to offer comprehensive and customized advice.
|
What financial institution(s) do you represent?
My firm is fully independent, meaning it's not affiliated with a broker dealer or insurance company. I custody my clients' investment assets with AssetMark Trust.
|
What is your approach to financial planning?
Traditional financial planning tends to cover only money-related topics. While helping you make financial decisions by analyzing your cash flow, investments, taxes and retirement readiness is important, what typically gets left out is you. The numbers won't matter if your plan fails to take into account your key values and life goals.
While we'll definitely do a deep dive into your finances, my approach begins by helping you focus on the "why" behind your money.
That's why my planning process begins with getting to know you and uncovering your money story, followed by identifying your life goals and reframing how you think about your finances. From there, we'll work together to connect your money to your life and develop a plan of action aligned to what's most important to you.
|
What services do you offer?
I offer financial planning, retirement planning, investment management and hourly financial advice.
|
What are your qualifications?
I passed my Series 7 General Securities Representative Qualification Examination from FINRA in 2017 and the Series 66 NASAA Uniform Combined State Law Examination in early 2018. These exams require knowledge about providing investment advice and effecting securities transactions for clients. I'm required to complete 12 credits each year of continuing education.
|
What is your approach to 401 K plan rollovers?
I first learn about my clients' values to understand the purpose behind their investment goals. From there, I evaluate their 401k portfolio and discuss the options between keeping the investment with the administrator versus moving it to another 401k plan or under my management, including comparing fees, investment strategies and the service level provided.
|
How long does the process of rolling over a 401K plan usually take?
It typical takes 7-10 business days once the required data has been collected.
|
What financial institutions do you represent?
My firm is fully independent, meaning it's not affiliated with a broker dealer or insurance company. I custody my clients' 401k and other investment assets with AssetMark Trust.
|
How many years of experience do you have?
Eight years of investment industry experience, and fully licensed to manage investments for seven.
|
What are your fees for this service?
I charge an asset based fee of 1.25% - 0.50% depending on the account size.
|
How many 401K rollover clients do you currently manage?
11
|
Why should I roll over my 401K plan to your firm?
I provide financial planning as part of my service offering for 401k rollovers, which includes retirement planning, cash flow and income planning, tax planning, estate planning and risk management.
|
