FAQs- Frequently Asked Questions


How do you get paid?

I get compensated with either fees or commissions. A comprehensive written financial plan typically has a flat, one time fee associated with it. Investments are managed on a fee for assets under management, or by commissions, depending on what you feel is best for you. Insurance products typically pay me a commission.


What if I don't want a comprehensive plan?

While I believe most people are best helped by a comprehensive plan, you do not need to have a written plan done in order to have me assist you with your investments or insurance needs. You don't need to pay an up front fee to have my help in a focused area of need.


 Will I ever be charged to meet or talk with you?

No. I do not currently charge by the hour and do not intend to in the future. My intent is to make my services totally available to help you at any time you need me. You can feel confident to contact me whenever you want.


Can I get your help without investing through you?

Yes. We can negotiate fixed flat fees for investment or insurance planning work without you purchasing investments or insurance from me.


 How do I do business with you?

Typically, we would meet for an initial interview to allow you to get to know me and express your needs and concerns. Then, if you want to work with me, we typically meet again for a more thorough "discovery" interview. A written plan or strategy is then developed and we meet again to review it. Once you have a full understanding of the plan and want to move forward, there are typically meetings to implement the various strategies suggested. And, importantly, we will visit periodically to review and update your plan, at the least, annually. You will never be pressured at any point in the process.


 What does Certified Financial Planner(TM) mean?

It means that I studied and took 5 different board tests over a period of several years, and then took a comprehensive board exam to prove competency in the financial planning field. It means that I have to adhere to a high level of ethical and practice standards and have to continue to maintain ongoing education in the field. It also means I must follow fiduciary guidelines.


Do You Adhere to Fiduciary Principles?

Yes.  As Investment Advisor Representatives, we must adhere to fiduciary principles.   Additionally, as a Certified Financial Planner TM practicioner, David must act also adhere to fiduciary guidelines.  


Can I refer other people I know to you?

Yes, my practice grows mainly on referrals from good clients like you!