How is Advice-Only different?
As a hands-on investor, you enjoy managing your own money. You should invest how you want to invest. My goal is to help you navigate all the other life financial planning areas including, preparing for retirement, reviewing potential opportunities to save on taxes, making sure your estate is in order or various charitable giving strategies. Investing is important, but it is not the only thing...
And if you need investing help, I have decades of experience as an individual investor and executive in Fortune 500 financial firms. I can help you with your assessing your current portfolio, asset allocation, and provide recommendations if needed.
How can comprehensive planning help families like yours?
Comprehensive financial planning is an immersive approach to managing your financial needs over your lifetime and beyond. It involves setting goals, creating a plan to pursue those goals, monitoring your progress along the way and adjusting the plan as needed. I charge a one-time fee for this service. I also charge an hourly fee, to help families on more specific topics like, Social Security optimization, Roth conversions, tax planning, etc. You can see how I work with families like yours on this page.
A little bit about me...
I was an executive for one of the largest discount brokers TD Ameritrade. As the President & Chief Operating Officer of TD Ameritrade Investment Management, I led its growth from under $10M in 2003 to over $23B in assets under management. TDAIM served, at its peak, over 150,000 families. My team and I professionally managed portfolios using low-cost ETFs, mutual funds and stocks for those clients that needed investment management help.
I am proud of my accomplishments at TDAIM and the thousands of families we helped over the years. While my professional journey was rewarding financially and professionally, I wanted to do something more impactful for individual families. Financial planning is not just about investing, it is so much more, and it is built on relationships and trust.
That's why I started Free State Financial Planning to make a difference for families one at a time. If you want to learn more about me, see my bio.
How I charge for my help?
My flat fee or hourly fee for planning is my only compensation. I charge for my comprehensive financial planning, and I do not receive compensation from any other sources, e.g. sales commissions, referral fees to other professionals, securities transactions, etc.
I chose this model because it is simple, transparent, and fair for your family and mine. More information on my fees and solutions can be found here.