I follow a fee-only advisory model and charge a fixed fee directly from clients for my services. I do not receive commissions, brokerage, referral fees, or incentives from mutual funds, insurance companies, or any financial product providers. This allows me to provide independent and unbiased advice that is focused entirely on what is right for you.
6 Step Process
I follow a straightforward approach to help you build and maintain your financial plan.
Here's what happens from start to finish:
Let's Meet & Understand
We start by getting to know each other and discussing what you're looking for.
I'll explain my process and we'll agree on how to work together, including fees and timeline.
Engagement & Documents
Once we're ready to move forward, I'll send you two important documents:
- Client Engagement Letter – A formal agreement (required by regulations) that you'll sign
- Client Questionnaire – An Excel template where you share details about your goals, income, expenses, assets, debts, and what matters most to you financially
Gather & Analyze Your Situation
I review everything you've shared and get a complete picture of your current finances – what you have, what you owe, what you earn, and what you spend.
This helps me understand what's possible for you.
Create Your Plan
Based on what I learn, I put together a practical plan tailored to you.
This might include ways to earn more, spend smarter, invest better, or manage your debts – whatever makes sense for your goals.
Follow Up & Implementation
We meet to review the plan together, answer your questions, and get started.
I help you take action on the decisions we've made.
Monitor & Adjust
Life changes, and so do markets.
I keep an eye on how things are going and meet with you regularly to make sure your plan still fits your life and goals.
We adjust when needed.