It’s not about a product. It’s about a solution.

 

Fee Only: It’s All in the Details  

There are three alternative methods of compensation that most financial advisors can fall under.  We believe the differences in advisor compensation can make a significant impact on the recommendations that are provided to you.    

  • Fee Only – Fee only advisors are compensated directly by clients for the advice they give.  They receive no compensation, commissions, or referral fees from their recommendations.  No matter what they recommend, the compensation received is the same, eliminating many potential conflicts of interest.   
  • Commissioned – Commissioned advisors earn commissions, or some form of kickback, based on the investment transactions they make for clients.  Different investments pay the advisors different commission rates, leading to potential conflicts of interest.  Is the recommendation made because it is thought to be the best option, or because it will pay the advisor the highest commission? 
  • Fee-based – Fee-based advisors earn fees for advice they give but can also earn commissions on investment and insurance products they sell, which can result in potential conflicts of interest.   
     


What Fiduciary Means to Us

 

It means we are legally and ethically bound to put a client’s interest first when making a recommendation.

It means we sell a plan and solutions, not products. Each plan needs to work for you and your family.

It means we pivot our plans based on your goals, your risk appetite, and your timelines. 

It means we communicate with clear transparency every step of the way.

   


Why We Chose Fee-Only
 

We proudly choose to operate as fee-only advisors because we believe the fee-only method is the most transparent, objective and fair method available to our clients.  The recommendations we make are what we believe are in the best interest of our clients instead of the best interest of the advisors.