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Advice-Only Financial Advisor
There is no long-term commitment, no annual percent-of-your-assets fee, and no sales pitches.
You have a dream for the future.
I can guide you through the steps that will make the vision a reality.
Finding the right financial planner is personal. Not only should an advisor look at the numbers, but your goals, fears, and values should be used to create a plan that fits you.
During our introductory call, you and I will briefly discuss what you’re looking for and if this is the right fit for you. You will learn how I work with clients and expectations for what happens next.
Achieving financial confidence starts with 3 easy steps:
- Set up an introductory call by clicking on the button below.
- After the call, I will email you some oh-so-fun regulatory documents (such as privacy policy, etc.) and my Client FactFinder.
- Click on the Service Agreement Link to e-sign and get started.
Flexible Financial Planning for Life's Changes
Your lifestyle and goals for the future are as unique as you are. Together, we’ll create a plan based on your preferences and take into account where you are in your life. Financial planning is provided in packages based on your needs. Package pricing is determined by your net worth and annual income.
General Financial Plan
- Who: Ages 25 – 55, Juggling multiple life and financial goals, five or more years away from retirement.
You have a LOT going on. Saving for retirement, real estate decisions, kids to raise, career to manage, maybe even parents/adult family members needing your attention.
Kristi will help you create a plan to achieve multiple goals, including debt management, emergency fund, real estate, retirement, insurance, estate wishes, tax mitigation, college planning, life insurance, and how to build wealth using various accounts and investment tools.
Retirement Readiness Evaluation
- Who: Ages 55-70. Approaching retirement in 5 years or less
Moving from a saver to a spender of savings is not for the faint of heart. Are you unsure how to handle Social Security timing, relocating, integrating paying for college with retirement, pension options, use of home equity, Long Term Care planning, legacy wishes, rental property, Roth conversions, basic charitable and family gifting?
Using software and 25+ years of experience we will determine if you are on the right path for retirement in the near future. You have time to make necessary changes or pat yourself on the back for a job well done.
Ongoing Services for Current Clients
Investment Analysis
- Who: Offered to those who have completed a General Financial Checkup or Transitioning to Retirement Package
Are your investments a mish-mash of hastily chosen securities? Is the road behind you littered with 401(k)s of past jobs? Kristi will analyze what you’ve done and provide specific recommendations on what to buy and what to sell. You will have a streamlined investment program at the end of this work together.
Retirement income plan and investment recommendations
- Who: Offered to clients who have completed a Transitioning to Retirement program
Believe it or not, saving the money was the easy part. Figuring out how to turn those savings into income is hard. There are tax considerations, estate wishes, charitable planning, and portfolio decisions to be made.
Sound advice will save you tons of time, money, and stress as you move into retirement.
Real estate analysis
- Who: Clients who have completed a General Financial Plan or Transitioning to a Retirement package
Are you unsure of how to incorporate your current or future real estate into your overall financial picture? This package offers financial analysis to decide whether to keep or rent a currently owned property, second home purchase, or determine the affordability of a first-time home purchase.
Annual Review
- Who: Clients who have completed a General Financial Plan or have transitioned to a Retirement Package within the last 3 years
Things change, life happens, investment go up, investment go down. Keep on track to reach your financial milestones by paying attention to your plan at least once per year.
Ongoing or impromptu financial help
- Who: For current clients who have completed a General Financial Plan or Transitioning to a Retirement Package
Stuff comes up! What if you are combining finances with a partner, changing jobs, losing a job, getting an inheritance, winning the lottery, getting a raise, having a baby? We can meet outside of the annual review cadence.
People often ask...
Most frequent questions and answers
Financial advisors offer many levels of financial support to potential clients, and many times the degree of support is related to the manner in which they are paid. Advice-only advisors form 0.1% of financial advisors, and unlike other financial advisors, they do not receive commissions or manage your assets for you.
Source: https://smartasset.com/financial-advisor/advice-only-financial-advisor-services-and-fees
I work best with clients who naturally spend within their income.
No, I do not recommend cryptocurrency as an asset class.
That depends on your situation, but I will always be efficient with your time while being thorough in answering your questions. You will be given the option to continue with more appointments or end our conversation at a reasonable stopping point.
Fee-only financial planners get paid by you directly; fee-based planners may also earn commissions on products they sell.
No. If you are looking for someone to help you with a spending and budgeting plan, and generally improve your relationship with money, may I suggest these resources:
Addie McHale, CFP®, Moneyfull
[email protected] | 720-515-7805 | moneyfull.com
Denver Financial Empowerment Centers
*Referrals: there is no revenue sharing agreement and it is only provided by a courtesy – no endorsement of such.
No. If you are looking for someone to help you with a spending and budgeting plan, and generally improve your relationship with money, may I suggest these resources:
Addie McHale, CFP®, Moneyfull
[email protected] | 720-515-7805 | moneyfull.com
Denver Financial Empowerment Centers
*Referrals: there is no revenue sharing agreement and it is only provided by a courtesy – no endorsement of such.
Yes! A fiduciary financial adviser is one that puts clients’ interests first when giving providing advisory services. My business is only selling financial advice by the hour, so there is no hidden agenda to get a commission from selling insurance products, investments that generate commissions, or fees for long-term asset management.
I am a buy-and-hold investor with annual rebalancing. If I am helping you to create a portfolio, I will not be reacting to big stock market swings with a communication to suddenly buy or sell assets. I am not a day-trader, stock-picker, or cryptocurrency expert. Days go by when I don’t even know what happened in the stock market because I am helping clients with their long-term planning, not short-term trading.
I believe in holding diversified asset classes (US big stocks, US medium, and small stocks, international investments, and bonds). I believe in using low-cost mutual funds and ETFs for easy diversification. I believe that simple is usually best. I like easy investment solutions like Target Date Funds and Asset Allocation Funds.
Let’s Get Started!
If you would like to talk to Kristi about your unique goals, financial decisions, or dilemmas, click on the button below to set up a 15-minute phone call. This is a great time to determine if this is the right fit for you and if you’d like to move forward with a one-hour phone or Zoom consultation.