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 financial advisor assessments, retirement-readiness analyses, and IRA reviews. 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.
I provide on-demand services at an hourly fee of $100. I also offer an affordable fixed-price retainer for clients who prefer a different pricing structure. Contact me to discuss my pricing options.
First, I'm committed to serving middle-income consumers who are not well-served by most traditional financial services firms. Second, I minimize my overhead to provide these services at a lower cost. Third, and 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. This is an on-demand service in which you are simply charged for the time that you engage me.
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.
The process has the following steps:
  1. We have an an initial phone call to provide me an overview of the financial advisor relationship.
  2. You provide me with a summary of your financial accounts, including a copy of a recent statement for all relevant financial accounts.
  3. Optionally, I may have a separate conversation with your financial advisor. Some clients prefer to omit this step to keep this assessment confidential from the advisor.
  4. I may have follow-up questions with you that requires a second phone call.
  5. I deliver a customized written report to you and discuss the results, recommendations, and any next steps with you.
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.
The service is fully described here.
The process has the following steps:
  1. We have an initial phone call where I explain what you will learn from this service.
  2. You provide me with a summary of your financial assets and liabilities, your current earned income (if you are still working) and an estimate of how much longer you plan to work.
  3. You provide me with a summary of your Social Security benefits statement -- that is an estimate of what your future benefits are expected to be.
  4. You provide me with an estimate of your current annual living expenses and indicate any significant changes that you expect in the future.
  5. I may have follow-up questions after I begin my analysis that requires another phone call.
  6. I deliver a customized analysis to you that will enable us to vary any of the inputs to do "what if" analyses so you can have a simple and clear graphical output of how your savings will change over your retirement years. We will then discuss the results until you fully understand them and have your questions answered.
It is a fixed fee of $500, payable after the analysis is complete and you are satisfied with the service.
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.