Frequently Asked Questions

Are You a Fiduciary?

I'm a Certified Financial Planner™ which requires that I serve as a fiduciary.  That means putting my clients' interests first.  According to the CFP® board, fewer than 20% of all financial professionals have passed the rigorous academic and ethical requirements needed to achieve this designation.  To learn more about the benefits of working with a Certified Financial Planner™, please visit https://www.letsmakeaplan.org/.

Where Are You Located?

My practice is located in Bear, DE.  However, because I serve clients in several states, I maintain a virtual practice; meaning that I typically meet with clients in their home or place of business.  I also offer appointments by phone and video conference.

What Are Your Hours?

My hours are by appointment.  I offer day, evening, and some weekend appointments to suit my clients' busy schedule.  Feel free to check out my online booking page where you can view my availability and book a phone consultation.

Do you have investment minimums?

There are no investment minimums for financial planning services.  These services may be appropriate for those who are looking for ongoing financial guidance and to develop a plan to get themselves to and through retirement, fund their children's college education, reduce debt, save for a major purchase, etc.  Financial planning services are offered on a project or retainer basis and start at $175/mo .  

For those who prefer to consolidate accounts and receive ongoing assistance managing their assets, those services are billed starting at 1% of assets under management and are deducted directly from the account.  The fee may be discounted depending on the amount being invested.  Please note that different asset management programs have different investment minimums and are generally appropriate for those with $50,000 or more to invest.

Call 302-668-6820 or visit my online booking page to schedule a phone consultation to learn more.

How Are You Compensated?

Most of the work I do for clients is done on a fee-basis which may include:  retainer or percent of assets under management.  For a free quote, please call 302-668-6820 or visit my online booking page to schedule a phone consultation.

Please note that some of the insurance products I offer are available only on a commission basis.  The insurance company sets the compensation  and I receive compensation only if my client is approved.  Common examples include:  life insurance, disability insurance, and long-term care insurance.

Do You Accept Credit Cards or Electronic Payments?

Sorry, not at this time.  Payment for financial consulting or retirement plans must be made by check.  Asset management fees are deducted directly from the account.

Can You Help Me With My Taxes? 

Unfortunately, no.  Since I am neither a CPA nor an Enrolled Agent, I am unable to provde tax preparation services or tax advice.  If you require the assistance of an accountant, I am happy to make an introduction. 

Can You Help Me Prepare a Will?  

In preparing most financial plans, we will inevitably touch on topics that are related to your estate and estate planing.  However, since I am not an attorney, I cannot provide legal advice or prepare legal documents.  If you require the assistance of an attorney for this purpose, I am happy to make an introduction.

In What States Are You Licensed?

I hold Life Insurance and Securities licenses in PA, DE, and MD.