Are you a fee-only fiduciary?
Yes, absolutely. We are proud to be fee-only fiduciaries. This is a critical distinction that means we have a legal and ethical obligation to always act in your best interest.
For you, this translates to:
Objective Advice: We never accept commissions, referral fees, or third-party payments that could create a conflict of interest.
Full Transparency: Our only compensation comes directly from our clients. This ensures our recommendations are based solely on what is best for your financial situation.
You can read more about fee-only here.
What is a CFP®?
The CERTIFIED FINANCIAL PLANNER™ designation has met extensive training and experience requirements and commits to CFP Board's ethical standards that require them to put their clients' interests first.
Is financial planning the same as retirement planning?
While they are related, they are not the same. Think of comprehensive financial planning as the entire roadmap for your financial life. Retirement planning is a critical destination on that map, but the full plan also navigates other important areas like cash flow, college savings, insurance, tax strategy, and estate planning. We help you with the entire journey.
How much does it cost?
I charge a percentage of Assets Under Management (AUM). My fee starts at 0.9% annually and then goes down as your investment balance reaches specific breakpoints.
Here is a link to our fee structure: Objective Wealth Fees
Can you work virtually in any state?
Yes! We work with clients all over the United States. Many of whom we have never met in person. We are based in Phoenix and occasionally meet in person but a majority, if not all of our work, is completed virtually.
We are tech-forward and use all cloud-based tools that allow you access to all of your plans and accounts online and via mobile app.
Is there a minimum amount of money I have to have to work with you?
We do not have a required asset minimum to become a client, as we believe quality financial advice should be accessible. To ensure we can provide our full, comprehensive service to every client, we do have a minimum annual fee. You can find the details on our fees page or schedule a complimentary introductory call to discuss your specific situation.
Where is my money held if I work with you?
Your assets are held with a trusted, independent custodian, Charles Schwab. We never take direct custody of your money. This arrangement provides a crucial layer of security, as your funds are held by a major, regulated financial institution in an account under your name. We are simply granted the limited authority to manage the investments on your behalf.
How do you recommend your clients invest?
Our investment philosophy is rooted in evidence, discipline, and a long-term perspective. We don't chase fads or try to time the market. Instead, we build globally diversified, low-cost portfolios designed to align with your personal risk tolerance and time horizon. While our portfolios are built on core, data-driven principles, they are always customized to your specific goals.
Our investment approach detailed here:
I run a small business, can you help me with that too?
Yes, we work with many business owners. In addition to your personal financial needs, we are able to help you consider tax strategies, implement a company retirement plan, and ultimately help you plan for an eventual sale.
I see you do taxes, will you do mine?
We offer tax preparation services exclusively for our comprehensive financial planning clients. This integrated approach ensures your tax strategy is seamlessly aligned with your overall financial plan. For situations requiring more specialized expertise, such as complex business returns, we can connect you with a trusted CPA from our professional network.
What if I have more questions or am unsure about working with you?
We encourage you to schedule a complimentary, no-obligation introduction call. It's a great opportunity for us to learn about your goals and for you to ask any questions you have. The goal is simply to see if we're a good fit for each other.