Fee-Only Financial Planning
Financial Service Group provides financial life planning services to our clients on a fee-only basis. That means we are paid by fees not by commissions from the sale of financial products. In fact, FSG is prohibited from accepting commissions. Our Relationship Fee starts at $5400 and is completely transparent, fixed and determined by factors (like your net worth and income) versus a variable fee based on just the size of your investment portfolio. This fee structure eliminates conflicts of interest and provides better alignment with the wide range of services we offer. It also shifts the focus of our work together from investment performance to defining and achieving your life goals.
In the beginning of our relationship, we’ll get acquainted and work to identify goals and create a financial plan that aligns with the things that are most important to you. Then through the years we’ll continue to monitor, evolve, and build your peace of mind about your personal finances so you can concentrate on your future with confidence and live your great life every day. We even have a process for if or when our relationship concludes so you’ll never be without a plan for “what happens next.”
A well-tested process for creating a relationship.
Let's get to know each other
Time to dig a little deeper into what's important to you
This is where we work together to align your money with your life.
Now it is time to take action with us by your side
Our process begins with a no-cost first meeting to discover if there’s a mutual interest in beginning an engagement. Making a decision to work with an advisor is an important one and we appreciate your interest in considering us as your partner. We stand behind our commitment to help you Find your Fit. That means if during our first meeting you decide we’re not a good fit for your needs, we’ll help you find resources and/or advisors that may be more appropriate for you.
After our first meeting, where we learn a little about you and your goals, we have a discovery and goal setting meeting where we dive right into where you are today and where you’re heading. Relax in our home-like environment with a cup of coffee and a conversation with your new financial partner. We pride ourselves on creating an environment where you can feel safe and at ease talking about your personal finances, aspirations, family, goals, and life in general.
From there we have several meetings where we work with you to align your money with your life. We don’t push financial products, we help guide you to the strategies and investment tools that best fit your needs and align with your goals. Typical topics we cover and develop strategies for include:
About every six months we meet with rotating agendas to keep you on track
To help you keep more of what you make
Low-cost, research based portfolios
No additional cost, because life happens
Other people you can count on
Once we’ve begun implementing the strategies to help you live the great life you’ve defined, our relationship is just getting started! We’ll meet with you several times during the year to monitor your progress against your goals. You’re always at the center of the relationship that gives you:
One of the things we’re often asked is “What happens if I die or if my spouse dies?” You need to know that your family will be taken care of in the event of your passing. We have lots of experience in helping families during this “final” transition. We’ll continue to work on your behalf with your surviving spouse and heirs to your estate. We’ll make sure your wishes are honored, and if appropriate, enter into a new relationship with your heirs to help them with their financial well-being beyond your life.
We know everything must end
Afterall, no-one lives forever
We will continue to work on your behalf
If desired, we can work with your heirs
And yes, some of our clients opt to leave us and go a different path. If that’s the case, we have a completion process for ensuring the work we’ve done together isn’t lost while transferring your plan and accounts to your new provider. Even if it’s not with us, we work to ensure you’re on the path to your great life and all you have planned for it.
We know everything must end
No long-term commitments required here
We have a process to make sure the work we've done together doesn't get forgotten
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