How I’m paid
You should always know what you’re paying and how your planner is paid. Here it is, plainly.
For any part of your plan, large or small.
Annuities and insurance.
Some plans result in recommendations to purchase a financial product. If, after we’ve planned together, you decide to buy an annuity or insurance policy through me, the insurance company pays me a commission. When that happens, I often waive my hourly charges. I see no point in being paid twice for the same work.
You are never obligated to buy anything from me.
Nothing. It’s complimentary, with no obligation.
Planning is $250 an hour. A typical plan takes between 5 and 10 hours, depending on its complexity. I’ll give you an estimate before I start, and you won’t be billed for more without agreeing first.
A payment from an insurance company to the person who sells you its product. The commission is generally part of the product’s pricing structure rather than an additional charge deducted from the client’s premium.
Yes. As a CERTIFIED FINANCIAL PLANNER™ professional, I am held to a fiduciary standard when I give you financial advice. A fiduciary must act in your best interest!
Complimentary checklist
Social Security timing, pensions, which accounts to draw from first, health costs and who handles things if you can’t. The questions Jay would want you to have thought through, in plain words.
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Start with a conversation. It’s complimentary, it’s unhurried, and you’ll leave knowing whether a plan makes sense for you.
CFP® professional · No account minimum · Fees explained before you decide