Full Transparency: I’m Biased, but Here’s Why That’s a Good Thing! I understand that not every Financial Advisor is the right fit for every individual, and that’s perfectly okay. The process starts with a simple phone call, where the goal is to see if I’m the right person to help you. If it turns out I’m not the best fit, I can connect you with someone who is. For instance, if you need legal advice, like drafting a will, I can refer you to a trusted attorney. My priority is making sure you get the assistance you need, whether it’s achieving your financial goals or solving a specific problem. In most cases, I can provide the guidance you're looking for. From there, we’ll determine the next steps together and move through the process at a pace that works for you. Whether it’s over the phone, in person, or via Zoom, we’ll tailor our communication to your preferences.

Aligning Risk with Your Comfort Level We carefully assess your risk tolerance to ensure it aligns with the level of risk you're comfortable taking, whether it's high or low. Getting this right is essential for us to serve you effectively. At the core of any successful financial plan is strong risk management, which we believe is fundamental to the responsible stewardship of your financial future.

Fee Structure and Client Support Our fees are structured based on the services provided: you may be charged an hourly rate, a one-time project fee, or an ongoing investment management fee, which will be deducted from your investment account. We offer all new clients a complimentary phone consultation, along with quick advice via phone or email at no charge. Additionally, you’re always welcome to ask a question and access free resources made available through the Prudent Money Foundation.

The Challenge with Today's Financial Industry I take a different approach. Thirty years ago, I became a Financial Advisor to help people, not turn them away. The financial services industry is becoming increasingly difficult to navigate, especially for those seeking personalized guidance. Minimum investment requirements are continually being raised, making it harder for the average person to work with a financial advisor. As a result, many are left with no choice but to rely on online robo-advisors or, worse, have no access to financial advice at all. While your specific investment needs may vary, there is a program tailored for everyone, each designed to help you achieve your financial goals. These options are built on the stewardship principles that Bob regularly discusses on his radio show.