Fee-Only Finacial Advisor

There is no long-term commitment, no annual percent-of-your-assets fee, and no sales pitches.

Get individual financial advice from an advisor who really listens.

Finding the right financial planner is personal. Not only should an advisor look at the numbers, but we also listen to your goals, fears, and values to create a plan that’s unique to 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. We’ll also go over my process and expectations on both sides, so you’re completely informed.

Here’s where we go from there:

  1.  I will email you some oh-so-fun regulatory documents (such as privacy policy, etc.) and my Client Fact Finder.
  2.  That email will also have a link to my calendar so you can schedule your one-hour financial planning appointment at your convenience.

Your relationship with your financial planner should ideally last for years. Finding the right person is important right from the start.

What you're looking for

Financial planning should never be approached as a “one-size-fits-all” situation. Your current lifestyle and goals for the future are as unique as you are. Together, we’ll create a plan that’s based on your preferences and take into account where you are in your life.

This is like therapy with a counselor who is handy with a calculator.

Hourly rate for meetings and pre-work
$ 295 per hour
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Setting Savings Goals

We’ll put together reasonable personal savings goals that set targets for upcoming life events. Wondering if you can afford a major purchase right now? That’s something we’ll discuss.

Life Transitions

The only thing constant in life is change. Are you thinking about combining finances as a new couple? Starting a new job and need to understand your benefits? Working with an impartial third party can help you through these major life transitions.

Retirement Planning

Let’s answer the big question: “When can I retire?” Transitioning from an earner to a retiree is a major life event. We’ll talk about how to prepare.

Insurance Needs

Are you under insured? Are you OVER insured? We’ll discuss specifically what you need and how much, including life insurance and long-term care.

Portfolio Analysis

When was the last time you really looked at your investments? Let’s analyze them and make sure they make sense for this time in your life and your future goals.

People often ask...

Most frequent questions and answers

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

addie@moneyfull.com | 720-515-7805 | moneyfull.com

 


info@mpoweredcolorado.org(303) 233-2773, 

www.mpoweredcolorado.org

 

*Referral to Addie and MPowered:  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

addie@moneyfull.com | 720-515-7805 | moneyfull.com

 


info@mpoweredcolorado.org(303) 233-2773, 

www.mpoweredcolorado.org

 

*Referral to Addie and MPowered:  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.