We’re all financial planners. Everybody makes money decisions at some level: saving for retirement, buying a house, paying for college, keeping a family budget. So – how are you doing?
In 2006, after over 25 years of owning a CPA firm, I became a CERTIFIED FINANCIAL PLANNER™. So why did I add some new initials to my name as I was about to turn 50? Because as I looked for someone who could give my clients the respect, dedication, and attention they deserved, I realized they needed me. Being a CFP was just the first step - I believed my clients deserved more! So in 2007 - 2009 I went through the process of becoming a Registered Life Planner.
Learn more about Financial Planning done by a Registered Life Planner at the Kinder Institute website.
As I'm sure you're aware, no matter where you turn, there is a lot of competition for your business. You will read a lot of hype and everyone has a sure-fire "tip"...or a "green line" to follow...or the offer of "great research". However, I've done this for years in one capacity or another and I still can say that the only thing that is sure in the investment world is that NOTHING is for sure.
ATTENTION: Some advisors are available...as long as you call them. Some are available...if you can find them. And then there are those of us who don't wait for you to call. We are in this business because we sincerely care about you and what is going on in your life. You know, unless I really understand what you need from me and why you are here, you won't have a satisfying experience - and it takes more than the answers you fill out on a questionnaire. It takes time, attention, and interest in you.
CREATIVITY: No, I don't mean playing fast and loose with your numbers and daring Uncle Sam to push back. I'm talking about a person who will take the time to ask "What if?" and "Is there a better way?" Why is it so hard to find someone who is willing to color outside the lines? Because the time it takes can cut into profit margins. The truly connected advisor, however, knows that it will pay off with satisfied, successful, loyal clients in the long run...AND that these satisfied clients will refer other clients who are looking for a "better way". I sum it up when I tell my clients: "Your MONEY is not my client - YOU are."
FEES: Financial advisors have three basic fee structures:
1) Fee only
2) Commission only
3) Fee plus commission
The top of our sites's homepage proudly proclaims that we are a Fee-Only firm for a reason: I am a member of NAPFA, which allows only members who are truly "Fee-Only" and who have demonstrated skills as financial planners. Learn more about what it means for you to use a Fee-Only Planner on NAPFA's Consumer Services FAQ page.
ETHICS: This should be a given in our industry - unfortunately, it is not. As a CPA for 30 years, the way I explain it to clients is this: "If there is a grey area, we'll explore it, we'll even take pains to find out about it and discuss it with you. We will walk the line for you to make sure your best interests are served, but we WILL NEVER cross the line." In the financial services industry, where advisors have so much control over your finances, it is imperative to work with an ethical advisor.
UP-TO-DATE: We put a lot of time into continuing education - much more than the 30 annual hours required by the CFP(R) Board. How does this help you? By working with a planner who knows what is going on currently not just in the financial markets, but also in a wide range of areas that will affect you, from taxes to estates planning to retirement planning to health insurance. We also stay up-to-date on technology, which can save you both time and money. Not only is your information more secure, but you will have access to the best advice and service no matter where you are. Of course, you always have the option to meet face-to-face, but for some, that is not possible or convenient. You don't have to worry - we have the resources to help you whether you're next door or in the next state.
Is Milestones the right firm for YOU? Our clients are –
People who want to work with an advisor they know and trust
Investors who just want answers. They are tired of not understanding what their statements mean and enjoy talking to an Advisor with the time and patience to explain things and teach when they want to learn.
Those with 401(k)s and other retirement plans who dread going through the tons of paperwork they get. They also want to find someone willing to take responsibility for making solid decisions.
Busy people living chaotic lives. They know they can do a lot better with their finances, but can never seem to find the time to get it done.
People looking for an advisor who will shoot straight and require accountability in return
People looking for a "fee-only" advisor who receives no commissions, referral fees, or kick-backs
People who need for solid investment advice for themselves – or a loved one
People who want more than investment advice. They want a plan for the future from an advisor with the interest and intuition to ask the questions that will get meaningful answers
Those wanting to work with a faith-based advisor (Deuteronomy 8:17-18; Proverbs 21:20)
Are you one of these people? If so, you're not alone. From the bottom of my heart, I truly believe that there IS a better way. We are here to empower you to live a richer, fuller life.
Your first appointment will give you a chance to ask questions and let us get to know each other (at no cost, of course). Call today and take the first step toward real financial peace.
