What is "fee-only"?

As a fee-only advisor, I only earn advisory fees directly from individual clients. I cannot accept commissions, kickbacks, or referral fees from outside parties. For my ongoing financial planning and investment advisory services, I charge a fixed annual fee that is determined upfront. The fee is not affected by how much of your liquid assets you have invested, how often we communicate, nor the strategies we implement together. Think of it as an all-you-can-eat buffet. 

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How much will it cost?

My minimum fee is $3,000 per year. The size of your annual fee is based upon:

• Your net worth (all your assets minus all your debts)
  
• Your annual income/spending
  
• The complexity of your business/estate/family
  
• How much money I predict I can help you save or earn in the long run

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How is "fee-based" different from "fee-only"?

In contrast, a fee-based planner may collect upfront payment for an "unbiased" financial plan, and then make commissions off of the implementation of said plan. These boilerplate financial plans recommend purchasing products which the fee-based planner is financially motivated to sell. Fee-based advisors are sales agents that are legally obligated to represent the interests of their firm.