Frequently asked questions.
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Why the monthly subscription model?
A monthly subscription is a simple, straightforward way to pay for financial advice. It encourages consistent communication and accountability, and reflects the value of an ongoing financial relationship.
Financial planning is a dynamic process, not a one-time event. Millennials experience major life events regularly- marriage, kids, career changes, etc., which can quickly throw off your plan. That’s why it is important to have a financial plan that adapts to your ever-evolving life.
Also, when you’re meeting regularly with an advisor, potential problems can be addressed while they’re still small and easy to correct. It’ll be much harder to address once it grows into a full blown crisis.
I’m not a woman/millennial/etc. Will you still work with me?
My services are tailored to millennial professional, divorced, or widowed women. However, feel free to schedule a consultation with me even if you don’t fall into any of those categories. If I’m not the right fit for you, I would be happy to point you in the right direction.
I live outside of California. Can you still work with me?
All of our meetings are held virtually, so it doesn’t matter where you live, as long as you have internet access! I work with clients all across the US. I do not work with international clients at this time.
Do you manage my investment accounts?
That is optional. If you would like to hold your accounts with me so that I can manage them and enter transactions on your behalf, that is available as an add-on service through Betterment. Your account would be with Betterment, but I would be authorized to make changes on the account.
If you have a 401k through work or an investment account at another company, I can certainly give you advice on that account. However, I won’t have access to account details and can’t enter any transactions on your behalf.
How do you make money?
As a fee-only financial planner, the only compensation I receive is from the fees you see in my Services section. I don’t receive commissions, sales charges, or any other incentives for recommending products or solutions.
Are you a fiduciary? What is a fiduciary anyway?
I am a fiduciary, which means I am legally required to act in your bests 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.
Do you give legal advice?
I am not an attorney and do not give legal advice or draft any legal documents.I can give you general education on the different types of estate planning documents and what they are used for. I would be glad to refer you to an attorney in my network.
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