Below you will find A’s to the most common Q’s.
If you don’t see your Q, REACH OUT AND I’LL BE HAPPY TO GUIDE YOU.
You would never spend weeks of your free time researching medical issues and treatments rather than going to the doctor for help. Similarly, a financial planner’s job is to apply their knowledge to help you understand your financial health, identify any issues you may not be aware of, and build a plan to help you achieve and maintain healthy finances. And a financial planner can also act as an accountability partner and mentor, helping you build positive financial habits and behaviors.
I have good news for you: you’re not going to burn a half hour or more each way traveling to meet with me. I work with many of my clients virtually. If you don’t live in Hawaii, we’ll meet at times that are convenient for you using web meetings and Zoom video chats. My financial planning process is online and collaborative. Since I am behind you in time zones, it’s easy for us to find times to meet outside of your working hours to connect.
I am a CERTIFIED FINANCIAL PLANNER™ professional and have worked in a broad range of roles in the financial services industry from the mutual fund industry to leading the investment advisory division of a brokerage firm. Earning the CERTIFIED FINANCIAL PLANNER™ designation requires extensive training in financial planning, estate planning, insurance, investments, taxes, employee benefits, and retirement planning, as well as in CFP Board’s Standards of Professional Conduct, which are rigorously enforced. As a CFP® professional, I’m required to uphold my certification through continuing education. That’s something I embrace as someone who has a lifelong love of learning.
I love to work with people who have a passion for their profession or business, or who know what they want to be doing but aren’t quite there yet. I enjoy helping people navigate major career transitions with the goal of pursuing their dream job or building their own business. If that sounds like you, and you are willing to actively participate along the way, let’s talk. No one should have to wait to get financial planning advice until they meet a financial advisor’s minimum of $500,000 in assets to invest. I built my firm with early- to mid-career professionals in mind. I don’t have an investment-assets minimum for new clients (and you don’t have to have me manage your investments to be a financial planning client), and I try to keep my services accessible to a broader range of clients.
I believe investment products are secondary to your goals and planning needs and that the right investments for a given person are best determined by their goals, their ability to tolerate risk, and the timelines associated with their goals. I generally recommend passive investment strategies and staying committed to an investment plan, with the goal of seeking out lower cost investment solutions. If you are looking for a financial professional to give you access to exclusive investment opportunities, hedge funds, or complex products, or are looking for a financial professional who says they can “time” or “beat” the market, I’d suggest seeking out another professional who can meet those needs.
First, there is nothing worse than to hear that someone has had a bad experience with a professional they should be able to trust. One of the things I always discuss with new clients is their past experiences with financial advisors and other financial professionals. If you’ve had a negative experience, I’ll work with you to be sure I first understand why. Then we’ll discuss whether there is anything in my own business model or your expectations that could cause a similar situation if we choose to work together. If for any reason I’m not a fit for you, I would be happy to try to help you find another professional who may better serve you.
Grow Well Financial Planning is a fee-only financial planning firm. I never receive commissions, kickbacks or referral fees for my recommendations. I am only paid by my clients, which means my motivation is to do the best work possible for you.
Why does this matter? I’ve found that many people are reluctant to seek out advice because they don’t know if the recommendations they receive are motivated by the financial professional’s personal interests. I can assure you that your best interests are always at heart.
Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNERTM, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it authorizes use of by individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.