Frequently asked questions.

  • Financial planning is the process of setting financial goals and creating a roadmap to achieve them. It includes budgeting, saving, investing, retirement planning, tax planning, and risk management.

  • Financial planning helps you manage your money effectively, reduce financial stress, and achieve long-term financial security. It ensures that you are prepared for major life events like buying a home, funding education, and retiring comfortably.

    • Help with Budgeting & Saving
      If you struggle with managing money, an advisor can help create a realistic budget and savings plan that fits your lifestyle, so you can pay bills, save for the future, and still enjoy life.

    • Getting Out of Debt
      Whether it's credit cards, student loans, or a mortgage, an advisor can help you develop a plan to pay off debt faster and avoid high-interest payments that keep you stuck.

    • Planning for Big Life Goals
      Whether you're buying a home, starting a family, or saving for a child’s education, an advisor can guide you on how to prepare financially and make smart decisions.

    • Making Investing Less Confusing
      Investing can feel overwhelming, but an advisor can explain your options, help you start, and make sure you're not taking on too much risk.

    • Peace of Mind About the Future
      If you worry about retirement or unexpected expenses, an advisor can help you build a safety net so you feel more secure about your financial future.

    • Experience and specialization

    • Fee structure (fee-only, commission-based, or fee-based)

    • Fiduciary duty (acting in your best interest)

    • Someone who approaches financial planning as an educator

    • Credentials (e.g., CFP®, CFA, CPA, ChFC®)

  • No.

    We are fee-only financial advisors and are not licensed to sell insurance or annuities.

    Proper insurance coverage plays a crucial role in many financial plans. We recommend insurance and annuity products when suitable. As fee-only fiduciary advisors, we do not earn commissions for suggesting specific investment or insurance strategies. Our recommendations are always made with YOUR best interest in mind

    • Health insurance

    • Life insurance (especially if you have dependents)

    • Disability insurance (to protect income)

    • Homeowners/renters insurance

    • Liability insurance