Are you a fee-only fiduciary?
Yes! I operate under the fiduciary standard and we do not receive commissions, incentives, or any added fees that would steer my advice. By taking this approach, I believe it is the most transparent way to provide financial planning services. 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?
Retirement planning is a subset of financial planning but there is more to financial planning than just retirement. Financial planners cover all stages of life and retirement is only a portion of our focus.
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 certain 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?
No, we don't require a minimum amount of investible assets to work with us. We do have a minimum fee for those still interested in financial planning without investment management. For more information, you can look at our fees page Objective Wealth Fees, or schedule a call to talk through it in more detail.
Where is my money held if I work with you?
We work with Charles Schwab & TD Ameritrade as our investment custodians. All of your investments are held directly by the custodian and Objective Wealth will never have custody of your assets.
How do you recommend your clients invest?
We have outlined the core tenants of our investment approach here on your website. We believe portfolio management should be based on data and discipline. We use those as our guide to constructing our portfolios and will modify them based on the needs of each individual.
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?
Maybe! We do taxes for individuals and small businesses who are also financial planning clients.
What if I have more questions or am unsure about working with you?
Setup a free introduction call to see whether we could provide value to your specific needs.