Fee-only CFP® Financial Planner | (Company Name)

(Company Name)

As a fee-only firm, we have the opportunity to focus more on each client and their unique experience. We don’t worry about selling specific products. Our emphasis is one hundred percent on the client and making sure we go above and beyond expectations. (Company Name)’s mission is to become indispensable as our client's trusted advisor by personally assisting them in making educated and smart financial decisions, thereby enabling them to pursue their financial goals. Our team of financial professionals is made up of multiple generations of the (Company Name) family as well as other key individuals who were selected to join the “(Company Name) Family”. Our advisors have decades of experience in wealth management, bringing you timeless wisdom.

Fee-only CFP® Financial Planner

A fee-only CFP® Financial Planner is a financial professional who is paid directly through their clients. Depending on the firm, fee-only financial planners charge based on a flat fee, hourly rate, fee schedule based on services, or for a percentage of an individual’s managed assets. Fee-only advisors are focused on their client's needs, not on making commissions based on products.

The CFP® Financial Planner designation is one of the highest levels a financial professional can achieve. The CFP® certification process includes extensive training and individuals who receive this designation must meet certain requirements. They are committed to the highest ethical standards and put their clients ahead of themselves. CFP® professionals approach wealth management from a holistic standpoint, bringing together every piece of your financial puzzle.

Not all financial planners are certified. Anyone can use the title “financial planner”, but only those who fulfill the certification requirements of the CFP Board can use the CFP® Financial Planner trademarks. The CFP® Financial Planner designation represents a high level of competency, ethics, and professionalism. However, not all financial professionals are held to these standards. Look for the trademark CFP® when selecting a wealth manager.

Fiduciary Financial Advisor

A fiduciary is an individual or organization designated to act on behalf of another person. A fiduciary financial advisor is upheld to the highest level of morality and is legally obligated to put the needs of their clients ahead of their own. Being a fiduciary requires a binding legal and ethical agreement between advisor and client.

A non-fiduciary financial professional can offer clients products and services which would generate commissions or bonuses for them. Sometimes these products can cost investors more or not even be the right product for them. This is why looking for the fiduciary designation when selecting a wealth manager is key.

Fee-only CFP® Financial Planner Services

·       Accumulation – Targeting asset growth

·       Retirement Planning – Distribution of assets in a tax-advantaged manner

·       Estate Planning – Preserving your wealth and preparing your assets for the next generation

·       Risk Management – Protecting what matters most to you

·       Business Planning – Grow and manage your business; business succession

·       Taxation – Minimizing tax obligation

Why Hire a Fee-Only Financial Planner

A fee-only financial planner generally has fewer conflicts of interest when working with clients. A fee-only advisor with the fiduciary designation is required by law to disclose any conflicts of interest should they arise while managing your wealth. Fee-only planners focus on advising their clients and can offer more flexible payment models.

A fee-only advisor does not have additional incentives when advising their clients on investment products, services, and decisions. They are getting paid based upon the fee schedule, rate, or percentage that is agreed upon in advance. Fee-only is not the same as fee-based. It is important to understand that fee-based financial professionals can still earn income based on commissions and bonuses. Certainly, there are financial professionals out there who are not fee-only and provide sound advice to their clients. However, selecting a fee-only financial planner who is a fiduciary ensures that your wealth is in the right hands.

Key Takeaways

Look for the CFP® Financial Planner designation when you decide whom to entrust your wealth. A fee-only CFP® Financial Planner serves in the role of fiduciary to their clients, putting their needs ahead of their own. We help young professionals, families, business owners, pre-retirees, and retirees achieve financial success. Get expert financial advice you can trust and work with a CFP® professional now. Our team provides the highest standard of financial planning. Call today!