Why Is It Better?

The biggest advantage is probably our commitment to offering the most cost effective platform for investing. Since we do not work for a single brokerage firm or insurance company, we have the flexibility of placing our clients’ assets in any investment institution. As a result, most of our client’s assets are held at Charles Schwab, TD Ameritrade, or Folio FN. With Fee-Only, the client has total portability. If at anytime a client wants to move their account or switch to another advisor, he or she can easily do so. There are no penalties, and the client is never “locked” into an investment product or contract.

Fee-Only is great if an investor is looking to purchase insurance products. The client has access to no load insurance products through Fee-Only advisors. As Fee-Only advisors, we can access insurance products and have all the sales charges waived. So if an insurance product is appropriate for the client, we can access it at the lowest possible price to the client.