What is Fee-Only financial planning and why should that be important to me?
We are Fee-Only financial planners. We do not accept sales commissions; we work solely for our clients. Because we do not sell financial products such as investments and insurance, there are no third-party relationships or outside influences to color our thinking and financial recommendations. For more information on Fee-Only financial planning, including our Code of Ethics, Fiduciary Code and member requirements, please visit www.NAPFA.org.
In addition, our firm is a Registered Investment Advisor (RIA); as such, we must comply with a host of regulations designed to protect the consumer. One important question you should always ask when considering a financial planner’s services: "May I please have a copy of your ADV 2(a) and 2(b) (sometimes called a Brochure and Brochure Supplement)?" This provides information about the qualifications and business practices of the firm.