Question 1

What do you do?

Accepted Answer

Simply put, I will partner with you to help you progress towards the life you want using the money you have by optimizing your investments, insurance, and estate planning.

Question 2

Who do you work with?

Accepted Answer

1) I only work with nice people.   2) You should be willing and excited to move yourself forward financially.   3) You should be excited to build wealth not just for yourself, but so that you may one day also share it with the world.

Question 3

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 4

What is a SmartVestor Pro?

Accepted Answer

A SmartVestor Pro is an investing professional that is deeply familiar with, and adheres to, Dave Ramsey's financial planning methodologies and investing styles.   I have taught multiple Financial Peace University courses at Bayside Church in Bradenton, FL, and am a proud SmartVestor Pro.

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

Are you a fiduciary?

Accepted Answer

Yes. All 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 big commission.

Question 7

How are you paid?

Accepted Answer

I operate strictly on a commission-free basis.   I charge 1% or less of your investment account's value, which is paid directly from the performance of the account.   I am not the most expensive advisor, and you probably don't want the cheapest.

Question 8

What is your investment philosophy?

Accepted Answer

I focus on building portfolios for clients that are likely to bring them towards their ideal life, and that they are comfortable with.  I utilize low cost, highly diversified funds from three of the largest investment managers in the world; Vanguard, Dimensional, and Capital Group.

Question 9

Can you help me with insurance?

Accepted Answer

Absolutely. I can help you determine what you need and what you don't need.   Then, we can help you find life, disability and long-term care insurance, if necessary. We do not receive any commissions or compensation for the insurance we recommend or help you get.

Question 10

Do you only work with clients locally?

Accepted Answer

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

Question 11

Why don't you have an office?

Accepted Answer

I have a home office that I love, but I do not have a traditional off-site office.  Frankly, if I did, I would take my laptop and my cell phone to it, and I would do the same quality of work for my clients that I am already doing. However, I would have to charge my clients 25% more to cover my rent. I can't make sense of that at the moment.

Question 12

Where do you meet clients?

Accepted Answer

I meet clients from across the country with Zoom. If you are local, I will gladly meet you at your home or your favorite coffee shop.

Moore Financial Management, Inc.

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