Are you a fiduciary?
Yes, I have made the following fiduciary oath:
- I will always put your best interests first.
- I will act with prudence; that is, with the skill, care, diligence, and good judgment of a professional.
- I will not mislead you, and I will provide conspicuous, full and fair disclosure of all important facts.
- I will avoid conflicts of interest.
- I will fully disclose and fairly manage, in your favor, any unavoidable conflicts.
What does it mean to be “fee-only?”
I am paid only by you, the Client. I do not sell products and I do not receive commissions. I work for you, not any financial institution. I do not have money making targets or pressure for you to use a service or product. The National Association of Personal Financial Advisors (NAPFA) has a good explanation here.
Do your fees adjust if I make more money and/or inherit wealth?
My fee is tailored to your circumstances and the amount of time required for me to serve you. If either of these two change, we will have a transparent and honest conversation about the appropriate fee. Also, if you believe that you are no longer in need of my advice (and/or if I believe the same), our engagement can cease with an advance written notice of 30 days.
Do you have a minimum amount of income and/or wealth to become a client?
I do not. I serve clients across the income and wealth spectrum.
How long have you been practicing?
I have worked in finance since 2008. I started my career as an investment banker at Goldman Sachs in New York for eleven years and then led a strategy and analytics team at First Republic Bank through 2023.
Do I have to live in your area? Can you serve clients remotely?
I serve almost all of my clients remotely. That said, if you are within a reasonable commute from me, I am happy to meet you in person.