Banks and commission-based financial advisors and planners are in the business of selling products, not servicing. Professional fee-only financial advisors are compensated for the knowledge, experience and advice they provide - not for the products they sell you. A fee-only advisor charges a fee based solely on an hourly or per project rate (like lawyers, accountants and consultants).
The advisor does not receive any commissions, kickbacks or other compensation of any kind, so is completely objective and unbiased. The advisor has no conflicts of interest. The advisor's compensation does not depend upon selling you a product, but only on providing you with the best solutions possible.
The advisor does not receive any commissions, kickbacks or other compensation of any kind, so is completely objective and unbiased. The advisor has no conflicts of interest. The advisor's compensation does not depend upon selling you a product, but only on providing you with the best solutions possible.
Services
We offer full-service comprehensive planning to individuals. We're different because we're fee-only. This means we're free to explain all of your options and recommend a course of action that benefits you. People use our services when they are faced with challenges in their lives.
These changes may be related to financial loss or gain resulting from events such as the sale of a business, an inheritance, a career change, retirement, termination of employment, an insurance or disability settlement, divorce or separation, death of a spouse or partner, or a change in health.The retirement landscape has changed dramatically.
These changes may be related to financial loss or gain resulting from events such as the sale of a business, an inheritance, a career change, retirement, termination of employment, an insurance or disability settlement, divorce or separation, death of a spouse or partner, or a change in health.The retirement landscape has changed dramatically.
4 out of 5 workers who rate the education about their benefits and retirement plan highly also rate their benefit package positively and say their workplace is an excellent or very good place to work. Employees who value their benefit and retirement plan package are three times more likely to believe their employer cares about their well being.
What does this mean? Essentially it means that we're paid by our clients for our knowledge, experience and independent advice. We're not paid commissions from products sold. Anyone offering "free" financial planning and who also sells insurance and investments is compensated by the bank, investment or insurance company when they sell those products to you.
Paul helped me understand the various options available to me. I found him to be thorough, patient and he explained everything to me in plain language that I could understand. I found working with him helpful not only for the immediate decisions I needed to make, such as exploring whether or not to buy back pension service, but I also gained a better understanding of my options down the road when I start thinking more seriously about retirement.
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