Frequently Asked Questions
Are you a fiduciary, and how does that affect your advice?
Yes. As CFP® professionals, we are held to a fiduciary standard by the CFP Board, meaning we are legally and ethically bound to act in your best interests when providing financial advice. Whether we are building a comprehensive plan or recommending a specific tool, our guidance is always centered on what is objectively best for your unique situation.
How are you compensated for your services?
We believe in a transparent, value-driven approach to costs. Our compensation can vary depending on your needs: it may include a fee based on assets under management, a flat planning fee, or commissions from specific financial products. Regardless of the method, we disclose all costs upfront to ensure you understand exactly how your resources are being utilized.
Why should I work with a CFP® professional instead of a general advisor?
A CERTIFIED FINANCIAL PLANNER® professional has met rigorous education, experience, and ethical requirements to provide holistic financial guidance. This designation ensures you are working with someone committed to a higher standard of care and expertise, particularly when navigating complex transitions like retirement or estate planning.
Who is NFS?
We use National Financial Services, a Fidelity company, for our investment clearing firm.
Who is Osaic?
Osaic Wealth, Inc is our broker-dealer—the firm that provides the regulatory, compliance, and trading support that allows us to serve you as independent financial professionals.
How do you help clients transition into retirement?
Retirement isn't just a date; it’s a significant lifestyle shift. We specialize in creating custom retirement income strategies that coordinate your Social Security, pensions, and personal investments. Our goal is to ensure you have a clear, tax-efficient roadmap so you can step into your next chapter with complete peace of mind.