There are a lot of payment models used by financial planners.  There are pros and cons to all of them.  I provide advice only under a fixed payment.  This payment includes the following 1-hour appointments

• Initial Goal Setting and financial discovery

• Plan delivery

• Follow up meeting to ensure a successful start

I believe this model is the lowest cost to you.  The more popular assets under management model often charges you more money over your advice relationship and the fees will likely increase significantly over time as your portfolio grows. A retainer model will charge you whether you speak to an advisor or not.  If you are comfortable making your own trades or want control over your assets, I believe the advice only option will provide you the most value.  

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Your financial plan will include:

• Financial Goals: Retirement, education, major purchases, etc.

• Cash Flow & Budgeting: Income, expenses, saving, debt.

• Debt planning: Home loans, student loans, auto loans, and credit cards

• Insurance Planning: Life, Disability, auto, home, umbrella (I do not sell these products)

• Investment Planning: How to grow your money based on your risk and goals.

• Retirement Planning: Ensuring you have enough income when you stop working.

• Risk Management (Insurance): Protecting yourself and your assets.

• Tax Planning: Strategies to minimize your tax burden.

• Estate Planning (Basics): Wills, beneficiaries, and passing on assets.