Skip to content

Fiduciary Fee-Only Financial Planning, Objective and
Unbiased Advice


A Fiduciary Fee-Only Advisor is compensated solely by the client with neither the advisor nor any related party receiving compensation that is contingent on the purchase or sale of a financial product. I do not receive commissions, rebates, awards, finder’s fees, bonuses or other forms of compensation from others as a result of a client’s implementation of the individual’s planning recommendations. Examples of compensation arrangements avoided are:”Fee-offset” or fee based arrangements, 12b-1 fees (see below), insurance rebates or renewals and wrap fee arrangements that are transaction based.

Fee-Only Compensation is of critical importance as the advisor is not dependent on commissions or other forms of compensation based on their client acting on their recommendations. Since such compensation creates an inherent conflict of interest and cannot be considered objective and unbiased. This is true even if the advisor truly believes that he/she has only the best interests of the client at heart.

Even if you put aside the conflict-of-interest factor, limiting of choices that generate income may impact the quality of investment advice. These advisors (sellers) include stockbrokers, analysts, insurance agents, some accountants and some attorneys, and other financial planners. Most clients do not recognize its significance in relation to the execution of their financial plan. Many of the problems relating to financial affairs – including the mismanagement of debt, failure to protect retirement assets and poor allocation of savings and investments – relate directly to the conflicts of interest. A Fiduciary Fee-Only Advisor, on the other hand, provides peace of mind that they are objective, unbiased and minimize any conflicts of interest. Use of no-load and low-load products and discounted services reduce the costs incurred by clients. We are not limited to company-sponsored offerings or obligated to sale-driven opportunities.


Fees will be determined and based on factors including: complexity of financials situation;  financial goals; composition of income, assets and liabilities; completeness of the information provided and my involvement in implementing my recommendations.
Generally the cost is a fixed at the beginning of the engagement. Half of the agreed fee is paid initially and the balance is due when the initial presentation is made. The term of the engagement may specify the period specified. Generally the term of the agreement is 6 to 12 months. Fees not fixed are based on an hourly charge (generally $300.00 per hour). Our experience is that client participation is increased when the cost is fixed at the start of our relationship.
recommendations and observations are initially presented. Depending on the specific agreement, additional fees may apply as the plan is implemented. All of which will be fully disclosed before-hand.
The agreed fee arrangement will be reflected in a written Agreement prior to the services being performed.
The minimum comprehensive financial planning fee is $2,300.
The minimum hourly fee is $300.
When applicable, the hourly fee is paid monthly.
All fees will be specified in a written Agreement prior to the services being provided.

Portfolio Management Services are also provided on a fixed fee basis. The cost is based on factors such as: complexity unique financials situation, financial goals, composition of income, assets and liabilities as well as completeness of information provided and our involvement in implementing our recommendations. Fees may be negotiated based on unusual and unique individual circumstances. All fee arrangements will be reflected in a written Agreement.

Investment Analysis Services fees are determined based on the complexity of the situation, nature of assets and related factors. The fee can be determined based on an hourly charge, or fixed fee as mutually agreed to prior to the services being performed. An initial fee of 50% will generally be required before the services are begun. The balance will be due when the service have been provided.
The agreed fee arrangement will be reflected in an Agreement prior to the services being performed.
The minimum fee for investment analysis services is $300.