Our Fee-Only Integrated Approach
FEE-ONLY FINANCIAL PLANNING
Our fee-only compensation structure enables you to pay for advice tailored to your specific needs, not for the sale of products. We provide services; we do not sell products. You will know up front what services you will receive and how much they will cost. There are no hidden charges. Because we earn no commissions or referral fees, the only thing gained from our recommendations is your satisfaction.
WE FULLY EMBRACE THE FIDUCIARY STANDARD
A financial advisor held to a Fiduciary Standard occupies a position of special trust and confidence when working with a client. As a Fiduciary, the financial advisor is required to act with undivided loyalty to the client. This includes disclosure of how the financial advisor is to be compensated and any corresponding conflicts of interest.
Federal and state law requires that Registered Investment Advisors are held to a Fiduciary Standard. This law requires that an advisor act solely in the best interest of the client, even if that interest is in conflict with the advisor's financial interest. Investment Advisors must disclose any conflict, or potential conflict, to the client prior to and throughout a business engagement. Investment Advisors must adopt a Code of Ethics and fully disclose how they are compensated.
Our integrated approach looks at the many facets of your financial picture and integrates those elements into a cohesive plan. The best structured financial plans take into account your goals, tax considerations, estate planning issues, and insurance coverage. In taking an integrated approach, all aspects of your life are considered when formulating recommendations. A financial plan is not a one time, final document. The ongoing integrated approach allows us to assist you in adjusting your financial plans and strategies to fit your changing financial situation. It is, and should be, a continuing process.
LONG TERM RELATIONSHIPS
More Than Your Money, Inc. strongly believes that ongoing service is key for most clients. Everyone's needs change as their lives progress. It’s unreasonable to assume that your initial plan will be appropriate for your entire life. A lifelong client relationship helps us guide you through the financial transitions in life. No plan can anticipate every contingency in life and that's why a continuing relationship is vital to your financial well being. It is our job to get to know and understand you to help achieve the goals that are especially important to you. This fosters lifelong relationships built on trust and your personal financial goals.