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 acheive 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 have clients located 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?

No.  Some of my clients are "emerging affluent" meaning that they have solid income, but not much in the way of assets (yet).  Instead, these clients are interested in financial coaching to assist them in developing financial literacy and strong financial habits.  Examples include budgeting, saving for college, reviewing workplace benefits, paying down debt, getting a second opinion on their 401(k), or starting an investment/savings program.

I offer these financial consulting services on an hourly fee or project basis.  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:  hourly fee, fee-per-project, 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.

What Do You Charge For Your Services?

My services generally fall into one of 3 categories:  Financial Consulting, Retirement Planning, and Asset Management.

1.  Financial consulting services are billed at a rate of $150/hr and may be appropropriate for a client seeking a one-time consultation and who is not interested in ongoing service.  

2.  The cost for a Retirement Plan ranges from $750 to $1,500 based on household income.  Typically, half the fee is due upfront and the balance is due when the plan is delivered.  Payment plans are available too.  Just ask.

3.  The rate for asset management starts at 1% and may be discounted depending on the amount invested.  These fees are deducted directly from the account.

For a free quote, please call 302-668-6820 or visit my online booking page to schedule a phone consultation.

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.

In What States Are You Licensed?

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