Based on my 50 plus years of experience, my fees are reflected in my knowledge, experience and wisdom, not brick and mortar or marketing and advertising expenses.

With attempt to keep fees as low as possible, I am confident that the value I will bring to your situation and the fee I charge, will be more than fair and reasonable.

Understanding you may just need a little information or help in making some decisions, the hourly rate may be the way for you to go. However, if you have multiple issues to address, such as debt reduction, savings, retirement planning, business planning, protection needs, etc., my recommendation would be to go on retainer.

It is my intent and goal, to help you address, articulate and accomplish your individual or business financial goals or objectives.

I only work with individuals and businesses who are fully committed to achieving their financial objectives.

In order to do this I need to know and understand your expectations from me and make sure you know and understand my expectations from you.

I will do this before we enter into any arrangement.
All information will be held in the strictest confidence and not be shared with anyone unless you give me written permission to do so.

I will review our fees, and/or fee schedule, before entering into any engagement and expect payment prior to my services. Whether they be monthly, quarterly or yearly. I do not sign any contracts and you are under no obligation to continue with me.

It is important to understand I am not a Registered Investment Advisory firm. I do not sell any equity investments. My fiduciary responsibility will be to give you the best advice, based on information you provide me.

If needed, I will provide a list of competent investment people, who I have no reciprocal compensation arrangements.
If there is a need for more guaranteed, fixed investments, I may recommend a specific product or service, that I will not receive compensation if implemented.

You will always have choice to implement with whoever you wish.

If you, or me, decide our relationship is not going well, we can discontinue it without any condemnation.(That is our ” no condo, no bondo” clause!)

I ask questions, sometimes the same ones over and over. I expect honest and committed answers.

I will not be more engaged or concerned about the outcomes then you are. However, if you are serious and committed, I will commit my time, skills, knowledge and energy to your concerns!

If you agree with this notice of understanding, I will ask you to sign and date, as I will.