How We Are Different

We are one of only a few fee-only Certified Financial Planners in the Ft. Lauderdale/Broward County area.
We are “fee-only,” meaning that we are compensated only by our clients. Clients often say they love the fact that we "sit on their side of the table." (“Fee-only” is not to be confused with "fee-based," which is a combination of fees and commissions.)

We offer different levels of services for different client needs.
While we can provide "do it yourselfers" with a complete financial plan, we find that most of our clients prefer to retain us throughout the year. They know that their financial lives are constantly evolving and like the idea that objective advice is always just a phone call or email away.

We understand that if you do what everyone else does, you won't end up being financially independent. (Otherwise most people would be financially independent!)
Our strategy is different from that of most other planners. When we first meet with a client, we help them figure out what their ideal calendar looks like. We then put it on paper and develop a written timeline and action plan to get them from where they are now to the living of their ideal calendar.

We not only help you meet your financial goals, but go above and beyond to help you determine your ideal end result and then help you achieve it. We start with setting short-term goals and outline realistic steps that we can take in the next 90 days, six months, and one year to move toward your ultimate long-term goals.

We also understand that many financial decisions are made emotionally. We believe that, many times, the biggest determining factor in your financial life isn't the rate of inflation or how well large cap growth funds perform, but how you handle your fear and greed with regard to your financial decisions.

We aren't going to try to sell you anything. You are paying us for objective advice.
We respect that you are intelligent and need objective advice. We want you to become educated and feel confident in making financial decisions.

We ask you a lot of questions. We want to do a complete job.
If a job is worth doing, it's worth doing right! And for us, that means a complete, comprehensive review of your financial assets and the integration of all the pieces. We include everything from helping you understand your credit score, to teaching you how to pick a good mutual fund and decide which retirement plan you should fund first.

We also include tax planning because we know that without reducing the amount you owe in taxes, the road to financial independence is much longer. We find that the most successful and effective plans are those in which everything is working together toward one common goal. Goals are reached much faster when all the pieces of the train are all running on the same track.

We want your feedback. Always. Good or Bad.
We periodically hire a third party to survey all clients so that we can continuously use their feedback to improve our services. It's because of this feedback that we learned that instead of long, complicated reports, you want to know, "How am I doing in reaching MY goals?" And so that's the progress we help you monitor. Clients have also praised our open retainer, stating that they have "peace of mind" knowing we are "always in their corner."

We want you to be part of the process.
We have structured our meetings so that we are able to accomplish as much as possible while you are with us. We understand that we could take all your information and then just produce a "black box" financial plan for you, but we feel it is essential that you are part of the process. By participating in the process, you not only learn a great deal, but you also share ownership in the plan's design.