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  • What do you do?
    Simply put, I will partner with you to help you to make smart decisions with your finances, ideally progressing you towards the life you want, by optimizing your investments, insurance, retirement and estate planning.
  • Who do you work with?
    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. ​ 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.  
  • What is a CERTIFIED FINANCIAL PLANNER™?
    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/ .
  • What is a Chartered Financial Consultant®?
    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.
  • What is a SmartVestor Pro?
    A SmartVestor Pro is an investing professional that is familiar with 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.
  • What can I gain from working with an advisor?
    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.
  • Do you have an investment minimum?
    Yes, because I work primarily with those working towards or in retirement, with a high degree of detail and care, I do require a $250,000.00 investment minimum.
  • Are you a fiduciary?
    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.
  • How are you paid?
    I operate strictly on a commission-free basis, which allows me to simply use the best investment solutions that I can determine for you. I charge between .50% and 1.5% of your investment account's value per year, depending on the amount of your investable assets. That is paid directly from the performance of the account. I have a tentative investment minimum of $250k, which can be waived in certain circumstances. I am not the most expensive advisor, and you probably don't want the cheapest.
  • What is your investment philosophy?
    I build portfolios that are founded with academic research; not media hype. Then I help clients avoid costly mistakes along the way. I generally utilize highly diversified funds from two of the largest investment managers in the world; Vanguard and Dimensional.
  • Can you help me with insurance?
    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.
  • Do you only work with clients in Sarasota or Bradenton?
    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.
  • Why don't you have an office?
    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.
  • Where do you meet clients?
    I meet with clients from across the country using Zoom, along with phone calls, email and text messaging. If you are local, I will gladly meet you at your home or your favorite coffee shop.

Have other questions?

Just let me know or schedule an appointment below.

Call: 941.544.2269

Text: 941.877.6011

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