I’m sure you have many questions about the financial planning process. Of course, it’s natural to feel uncertain and intimidated by financial topics. That’s why we’re here to help. Here are a few common questions…
We can sympathize with that point of view, because it does seem that there are some in the industry who use financial planning as a sales tool. Financial Pathways is different. At our core, we believe that planning is too important to be reduced to a sales pitch. This is why we do not sell financial products. The only product we sell is our own financial planning experience, knowledge, and advice.
Financial planning is NOT only about investing. Maybe you are just starting on your financial journey. Maybe you have taken your eye off the ball, or encountered some financial obstacles that have held you back. But no matter where you are in life, you need a plan that will get you to your destination. We firmly believe that everyone can benefit from a sound financial plan. This is why, unlike some financial planning firms, we make our planning services and advice available to anyone who needs them. Maybe you don’t have money to invest right now – our goal is to change that!
We are fee only advisors. That means that you hire us, you pay us, and we only answer to you. We do not sell product for commissions, we do not have a corporate employer to satisfy. How we get paid depends on what we do for you. Services such as advice and financial planning are based on an hourly fee. In the case of a detailed financial plan we would give you an estimate before we do any work. Some clients want us to manage their investments for them on an ongoing basis, for these clients we charge a quarterly fee only on the amount of assets we manage.
We don’t think so. In our experience, we can almost always find ways to save you far more than the cost of the work we do – so financial planning is a great investment! The hourly fee we charge is not much more than my auto mechanic charges – but unlike an auto mechanic’s, you will leave a meeting with us in a more secure financial position!
No problem. We can’t figure out why anyone would wait on hold for hours to speak with a radio talk show host for 2 minutes (who might embarrass them on national TV) when they could pick our brain for hours about specific financial planning questions. Our standard billing rate is $225/hour, but we charge less for longer engagements such as financial plans.
Yes, I do. We don’t expect a commitment from you until we have a chance to meet and talk about your situation.
Usually we start with a financial plan, so that we thoroughly understand your needs. Once we understand what you need your money to do for you, we can recommend an investment strategy that will help you achieve your goals. We help you open an account at TD Ameritrade, a respected online brokerage firm. We help move your existing investments (or deposit cash into) your new TD account. You always have online and phone access to your account. Our job is to make sure that funds in your account are invested and working for you according to plan.
What is your biggest financial concern?
Give us a call at (866)-635-8518, or send us an email using the form on this page. We’ll gladly answer your financial planning questions — at no obligation. We look forward to speaking with you.