My typical clients are individuals and couples that are ready to set themselves up for a better financial future. However, they are not interested in get-rich-quick schemes or looking to buy the next hot stock or fad. Rather, they are willing to follow a strategic approach to reaching their goals and are open to working with a financial planner that will also serve as an accountability partner.

I use Fidelity Investments, TD Ameritrade, and Schwab as the custodian of your accounts. This means I never have possession of your money. I only have discretion to buy and sell within your accounts. I use FormulaFolio Investments to build your portfolios which are customized to you based on your risk tolerance, time horizon, and other pertinent factors.

I believe personal finance should be taught in school at an early age. Often we learn about finances by making mistakes that could have been avoided with education rather than learning via trial and error. I’m passionate about empowering individuals & families to make the best decisions toward achieving their goals. I have found great satisfaction from seeing someone climb the ladder of success based on their definition of it, not what society tries to define for them.

Most individuals are unfamiliar with how a financial plan is created or what one actually looks like. I value assisting you with developing a financial plan that is transparent, simple and easy to understand. Take a moment to review a sample financial plan that I have drawn to gain a better picture of how I can help you and your financial future.

View a Sample Financial Plan

No. While I would love to handle all of your financial needs, it is entirely up to you which services you choose for me to provide. Whether it’s financial planning or investment management, I’ll be more than happy to work with you.

Financial Planning and Investment Management Fees

Financial planning fees typically range from $1,500 to $3,000 depending on complexity. 

For most single clients, fees are typically $1,750 while most couples' fees are typically $2,500 for a one year engagement*

If you choose to continue the financial planning engagement beyond the initial one year term, planning fees are renewable at 75% of the original planning fee for a  one year engagement.

Fees are payable 50% upfront and the balance upon plan delivery. 

If you hire me for investment management as well, the investment management fee is separate at 1% of assets under management plus the FormulaFolios platform fee ranging from .30% to .75% depending on the model chosen and amount invested. 

*If services include implementation, monitoring, and investment management through Formula Folio Investments, LLC ("FFI"), and the adviser receives an investment management fee, the planning fee may only be charged one time regardless of a re-design of your plan.

Booster Package Cost: $600 for individuals & $850 for couples

According to the CFP Board of Standards, the fiduciary standard of care requires that a financial adviser act solely in the client’s best interest when offering personalized financial advice.

Under federal law, in particular the Investment Advisers Act of 1940, investment advisers are regulated by the Securities and Exchange Commission (SEC) or appropriate state authorities and are required to provide services to their customers under the fiduciary standard. CERTIFIED FINANCIAL PLANNER™ professionals providing financial planning services also must abide by the fiduciary standard, as defined by CFP Board.

Broker-dealers are also regulated under federal law, including under the Securities Exchange Act of 1934, but are not required to provide services to their clients under the fiduciary standard of care. Instead, broker-dealers provide services under the “suitability standard of care,” which generally requires only the broker-dealer’s reasonable belief that any recommendation is suitable for the client. It is important to recognize that a financial recommendation that is “suitable” for a client (as legally required for broker-dealers) may or may not be a financial recommendation that is in the client’s best interest (as legally required for investment advisers).

As per the Internal Revenue Service (IRS), enrolled agent status is the highest credential the IRS awards. Individuals who obtain this status must adhere to ethical standards and complete 72 hours of continuing education courses every three years. Enrolled agent is a person who has earned the privilege of representing taxpayers before the Internal Revenue Service by either passing a three-part comprehensive IRS test covering individuals and business tax returns, or through experience as a former IRS employee.

I have been working in the financial services industry since I graduated from college in 2001. I’ve worked for broker-dealers as well as Registered Investment Advisory firms. I have obtained Series 66 & 7 securities licenses as well as the CERTIFIED FINANCIAL PLANNER™ certification and the IRS Enrolled Agent credential. I’ve always worked in a client facing role, serving as the first point of contact. Whether it’s investment management or financial planning, I always provide a personal touch to help my clients pursue their goals and answer any questions they have.