Experience. Fee-only planners in the private practice of financial planning have only their skills, knowledge, experience, and value judgment to offer. We have to be good.

Everything is disclosed. There is no “fine print”. No surprises.

No sales pressure. No kidding.

There are many financial planners, brokers, insurance agents, and bankers offering financial planning. Many of them have textbook knowledge and provide the “cookie cutter calculator” answer. But very few have the experience or the knowledge to offer you the Real Life Answer™ you need. Nearly all of them are conflicted by the need to charge you a commission or fee based on the sale of a product or program offered by the company they work for. You always have to ask yourself what the motivation might be behind any of their recommendations.