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Common Questions:man in meeting

 

1. What is Fee-Only financial planning and why is this important?
2. Who can benefit from your services?
3. What special skills and knowledge makes you different and an important resource for federal employees?
4. I understand the benefits of working with a Fee-Only financial planner, but I might need to obtain financial products?
5. I'm in charge of employee benefits at our agency. I would like to increase our "Financial Literacy." How can you help us?
6. What process do you use for investment strategies?
7. How do you price your financial planning services?
8. Are your fees tax deductible?
9. How can I get started?

 

 

1.  What is ''Fee-Only'' financial planning and why should that be important to me?  As Fee-Only financial planners, we do not sell products. Therefore, all conflicts of interest regarding compensation are removed.  Contact Us.

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2. Who can benefit most from your services?  Federal employees and their families. We offer consultations, a review of benefits, second opinions, insurance consultation/review, as well as a comprehensive planning. 

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3. What special skills and knowledge makes you different and an important resource for federal employees?  We provide advice for all types of financial planning issues. But most importantly, we provide retirement planning and advice for: CSRS/FERS Pensions/Annuities, Survivor Benefits, Health Insurance, Disability Insurance, Life Insurance, Long-Term Care Insurance, TSP Rollovers, TSP Payouts, etc. We know how to maximize your benefits.  

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4. I understand the benefits of working with a Fee-Only financial planner, but I might need to obtain financial products? While we do not sell financial products, we will offer specific recommendations and opinions regarding the purchase of the various financial products.

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5. I’m in charge of employee benefits at our agency. I would like to increase our "Financial Literacy." How can you help us?  We have established training programs available for new employee benefit orientation classes, mid-career, and pre-retirement training. We can custom-build a Financial Literacy program for your agency. Our programs are designed to educate, and increase benefit participation.  Contact Us.

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6. What process do you use for investment strategies? Before we recommend any investment, we consider your personal objectives and tolerance for risk.  Then we take into account what CSRS/FERS plan options are available, and how to best maximize those options.

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7. How do you price your financial planning services?  The fees are based on the actual time involved in meeting with you in person or over the phone, researching and analyzing your current situation, and providing specific recommendations. Our hourly rate is $125 per hour. 

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8. Are your fees tax deductible?  Yes. Section 212 of the Internal Revenue Code permits an itemized deduction for tax and/or investment advice in the miscellaneous section of Schedule A. It is subject to a 2% floor of the adjusted gross income on a personal tax return.

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9. How can I get started?  The first step is an initial inquiry from you. We offer an initial no-cost, no-obligation Get Acquainted Meeting, either on the phone or in our office. 

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