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Fiduciary Hourly Fee-Only Financial Planner
Do you want objective financial advice? Are you comfortable managing your own investments at Fidelity, Schwab, Vanguard, or others? Then you should consider hiring an hourly financial advisor when you need advice. Finding a financial advisor or aRead more
As you investigate financial advisors and the various methods financial advisors and financial planners use to charge for their services, you should become aware of the benefits of using an hourly, fee-only financial planner. There are two big conflicts ofRead more
If you are looking for financial advice by the hour to help you invest or plan for retirement, then you have found one of the rare financial advisors who does not charge AUM fees. In fact, I do not manageRead more
Federal employees, State employees, teachers, union workers, and others who have most of their net worth in their pension, their work retirement account (TSP, 403(b), 457, etc.), and their home equity are a perfect fit for the consultant financial planningRead more
Financial Planning Process The CFP board revised its Code of Ethics and Standards of Conduct effective October 1st 2019. Part of this revision was an update to the CFP™ Practice Standards for the Financial Planning Process. This revised process isRead more
Are Schwab Intelligent Portfolios® the best robo advisor for retirees? In this post I will explain why I think the answer is yes. Charles Schwab Inc. is a huge investment company known for offering low cost investments. They are the original discount broker. With their recentRead more
Last week I attended the IMN Global Indexing and ETFs conference in Dana Point, California. One excellent benefit of living in North County San Diego is that many investment and financial planning conferences come to San Diego or Orange County. Read more
Financial planner vs financial advisor. What is the difference? First, what is a financial advisor? Your parents or your grandparents probably had a stock broker. Someone who suggested which shares of companies would be good investments. The stock broker was probably notRead more
Businesses use consultants to provide “objective advice and assistance relating to the strategy, structure, management and operations” of their organization. Consultants are paid to analyze the business, a project the business is considering (like expanding to new territory), or a situation itRead more
Before trying a new place or making a purchase, you probably look for online reviews on sites like Yelp, Amazon and Google. You have probably tried reading reviews of financial advisors and financial planners but it didn’t help much. This is because financial advisors have not been allowedRead more
On my blog, one of the topics I like to cover is explaining how the personal financial advice industry works. Most people get financial advice from someone who is a salesman of insurance, annuities, mutual funds, and other products. YouRead more
