Frequently Asked Questions

No, I do not. I am not not licensed to sell securities nor registered to be an investment advisor. I provide financial planning and coaching services, including Investment reviews, retirement-readiness analyses, and financial advisor assessments. I may recommend various mutual funds and firms but I receive no direct nor indirect compensation from any organization. In addition, I offer workshops on various financial literacy topics to groups.
All of my financial planning services are provided on an affordable fixed price basis, at a rate of $300 per three months of unlimited financial planning guidance. A full year retainer is $1,000. You also have the option of a single-session consultation for $100. I offer reduced fees for clients experiencing financial distress. Contact me to discuss my pricing options.
I'm committed to serving middle-income consumers who are not well-served by most traditional financial services firms. I minimize my overhead to provide these services at a lower cost. I also offer all of my services on a fixed price basis so clients are very clear on the cost. Most importantly, my mission is to level the playing field between Wall Street firms and Main Street clients so I want to make these services accessible to more people.
No. I will provide the guidance and coaching you need. For most people, financial planning is not something they want to do any more than is necessary so I'm not concerned about clients "over-consuming" my services.
Generally, I work with electronic documents. After any client engagement is completed, documents files are deleted. However, I retain any notes I took and a copy of any client deliverables in case of follow-up questions or requests.
Yes. If you are unsatisfied with the quality of any of my services, there will be no charge.
The service is fully described here.
No. I recommend including this step but it is not required. Some clients do not want to inform their advisor of this assessment and if that is the case, I will not do so.
Yes, I guarantee it. Most advisors charge their clients high — and well-hidden — fees. I identify all these fees and once they are clear, you can usually negotiate a lower (and fairer) fee structure. A typical client may see a reduction in total fees and expenses of as much as half of what they were paying. If you desire, I can assist you with negotiating a new fee structure with your advisor. However, if your fees are already so low such that I am unable to lower them, there is no charge for the assessment so you are not taking any risk.
It is a fixed fee of $500, payable after the assessment is complete and you are satisfied with the service. It includes 60 days of follow-up and financial planning guidance. The service is provided free of charge if I'm unable to lower your investment fees.
The service is fully described here.
It is a fixed fee of $500, payable after the analysis is complete and you are satisfied with the service. It includes 60 days of follow-up and financial planning guidance.
Yes, I create and present customized workshops and classes on a range of personal finance topics to students, adult education learners, unions, and corporate employee groups. I have delivered workshops to diverse groups who range from Ivy League MBA students to inmates in correctional facilities and many other audiences.

You can learn more here about the workshops I offer.