Question 1

What do you do?

Accepted Answer

I partner with people to help them make smart financial decisions to bring them the life and retirement they want.

Question 2

Who do you work with?

Accepted Answer

1) I only work with nice people.

You should fully expect me to be polite and cordial as well.
 
2) Retirees
 
You've worked your whole life to save what you have. I will help ensure that you don't run out of money and can live the life you want.

3) Busy Professional Families

You have kids, careers, and competing priorities. I will help you optimize your finances to achieve as much as we can.
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4) Looking for a trusted advisor.

My clients believe their financial future and retirement are too important to wing, and are looking for a trusted, expert advisor to guide them.

Question 3

What is a CERTIFIED FINANCIAL PLANNER™?

Accepted Answer

The CFP Board said it best:

"When it comes to your financial security, it’s all about partnering with someone who is committed to putting your interests first. CERTIFIED FINANCIAL PLANNER™ professionals have attained the standard of excellence in financial planning by meeting education, experience and ethical standards, and as part of their certification, they have made a commitment to CFP Board to serve your best interests today to prepare you for a more secure tomorrow."

You can learn more at https://www.letsmakeaplan.org/ .

Question 4

What is a Chartered Financial Consultant®?

Accepted Answer

A Charted Financial Consultant®, like myself, has been through 8 college level courses that teach indepth on investing, retirement planning, taxes, insurance, estate planning and more.
 
Chartered Financial Consultant's are also required to have a certain level of experience, and to also adhere to a code of ethics.

Question 5

What can I gain from working with an advisor?

Accepted Answer

Clarity.
 
Do your investments, insurance, retirement and estate planning all feel like a hodge-podge? I will help you get all of that in order.
 
Accountability.
 
What if you had someone to help you determine goals, which ones are most important for you to work on now, and guidance on sticking with them? 
 
Expertise.
 
Laws, regulations and fine print can make investments and insurance overwhelming. I will help you figure out what you need and what you don't.
 
Simplicity.
 
Finances can be confusing. A good advisor will simplify it for you.

Question 6

Do you have an investment minimum?

Accepted Answer

Yes, because I work with those that are close to or in retirement, with a high degree of detail and care, I require a $500,000.00 investment minimum.

Question 7

Are you a fiduciary?

Accepted Answer

Yes. 100% of the time.
 
"What is a fiduciary?" A fiduciary is someone who will place your interests ahead of their own.
 
"Aren't all financial advisors fiduciaries?" No. In fact, fiduciaries are the minority. All other advisors operate by the "suitability standard", meaning that they can recommend something that isn't the best option for you just so they can earn a bigger commission.

Question 8

How are you paid?

Accepted Answer

I am paid for solely my advice and guidance, and receive precisely zero commissions or kick-backs, which allows me to simply use the best investment solutions that I can offer you. 
 
I charge between .50% and 1.5% of your investment account's value per year, which is paid directly from the  account. I have a tentative investment minimum of $500k.
 
I am not the most expensive advisor, and you probably don't want the cheapest.

Question 9

What is your investment philosophy?

Accepted Answer

I build portfolios that are grounded in academic research; not media hype.  Then I help clients avoid costly mistakes along the way.

Vanguard investments are currently my favorites.

Question 10

Do you only work with clients in Sarasota or Bradenton?

Accepted Answer

No. While I am located in Bradenton, Florida, I have grown by word-of-mouth to serve clients from here to Hawaii, and are equipped to conveniently meet with clients nationwide via Zoom.

Question 11

Why don't you have an office?

Accepted Answer

With technology allowing my clients and I to be connected nearly any time they want and anywhere they are, I cannot make sense of having a remote office.

Question 12

Where do you meet clients?

Accepted Answer

I meet with clients from across the country using Zoom, along with phone calls, email and text messaging.

Moore Financial Management, Inc.

Frequently Asked Questions