Can you work with me if I’m in a different state?

Yes. Most of my clients live in California, but I have a handful in other states.

Are you a fiduciary? What is a fiduciary anyway?

I am a fiduciary, which means I am legally required to act in your best interests, even if it conflicts with my own interests. For example, I can’t recommend that you buy a certain product just because I will earn more money. Since I am a fee-only advisor, I charge a fee for financial planning and advice, but not for selling specific products.

How do you collect fees? Can I make payments?

For ongoing financial management services, the percentage fee is multiplied by your total account balances at Altruist, and then divided by 12 and withheld each month from the account.
For any flat-fee services, payment are made via ACH or credit card before work begins. Payment plans are available.

Do you work with non-divorcees or widows, or men?

My services are tailored to the unique needs divorced and widowed women, but I do have a handful of clients outside that niche. Contact me to discuss if we’d be a good fit.

how do you manage my investment accounts?

I manage my clients' investments through my partnership with Altruist Financial. I would help you open your new accounts at Altruist, and then you would grant me authorization to manage the investments on your behalf.  

Can you help me with my investments where they are currently held? 

I can advise you on all of your accounts, but I can't manage them directly unless they are held with Altruist. If you hold accounts elsewhere, it will be up to you to implement any changes with that custodian. The custodian won’t allow me to do any transactions on your behalf.

what if i just have a couple of questions but don't want ongoing help?

I work with clients who value a long-term relationship with their advisor. I don't offer limited-scope services on an hourly basis.

can i cancel anytime?

Yes, you can cancel anytime and any unearned fees will be returned to you. You are free to transfer your accounts out of Altruist anytime. See Client Agreement for more details.