FAQs
1. What is a Certified Financial Planner™ Practitioner?
A CERTIFIED FINANCIAL PLANNER™ practitioner is recognized as the standard of excellence in personal financial planning. Becoming a CFP® certificant includes completing a rigorous curriculum of study, minimum of 3 years experience in the field, and pass a comprehensive 2 day exam. To maintain competency, a certificant is required to complete 30 hours of continuing education every 2 years. A Certified Financial Planner ™ Practitioner is bound by the CFP CODE OF ETHICS PRINCIPLES. The CFP Board requires it, personal integrity ensures it. Learn More
2. What services do you offer?
In a few words, comprehensive financial planning and objective investment advice. CFP® professionals must master nearly 100 integrated financial planning topics, ranging from:
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Investment Management
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Income tax planning
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Retirement planning
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Estate planning
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Risk management
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Insurance Planning
3. Why should I hire an independent financial planner?
As independent financial planner, I offer an objective approach. This enables me to put your interests ahead of mine without the influence of product or sale quotas. There are a broad spectrum of products and services available to investors today. You want someone you can trust who is able to help you select the appropriate strategies for you and your family. To avoid feeling overwhelmed with decisions regarding your planning or investments, you may benefit from having a personal financial coach to help you; freeing you up to do what you do best.
4. Who is LPL Financial?
LPL Financial is the largest Independent broker/dealer in the couintry as reported in Financial Planning Magazine June 1996-2025 based on total revenues. Currently, there are over 20,000+ advisors affiliated with LPL Financial. LPL Financial serves as custodian of client accounts and sends monthly/quarterly reporting statements to clients. LPL Financial is a Registered Investment Advisor, Member of FINRA and SIPC.
5. What is the pricing of your service?
All initial consultations include a free 30-minute discovery call. We have both a 10x Your Financial Planning Retainer Money Back Guarantee & an Investment Management Fee Platform. See details below.
6. What is your investment philosophy?
Our investment philosophy is centered on helping clients pursue their goals with the least risk possible. We believe in building diversified portfolios that align with each client’s risk tolerance, time horizon, and financial objectives. A key part of our approach is helping clients understand and manage the nine key risks that can impact long-term investment performance, including:
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Liquidity
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Taxes (Biggest Expense You Will Have In Your Life)
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Lifetime Income/Spending More Than You Have/Running Out of Money
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Cost of Living Risk Inflation
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Principal & Investment Risk (Target Returns Needed Using Investments With Least Risk)
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Business Risk
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Healthcare Risk
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Asset Preservation & Legacy Risk
By addressing these risks through thoughtful diversification, strategic planning, and disciplined investing, we aim to reduce unnecessary exposure while still allowing for growth opportunities. We also actively monitor portfolios and keep clients informed, making adjustments when needed to stay aligned with changing markets and personal goals. While diversification and risk management can help reduce volatility, it’s important to note that no strategy can eliminate market risk or guarantee investment returns.
Our goal is not to eliminate risk entirely which isn’t possible but to manage it intelligently so clients can pursue long-term financial confidence with greater stability and independence.
7. What types of clients do you work with?
We work with Individuals, families, and businesses that want to analyze and understand their financial situation, and develop a plan for the future. Also, clients tell us they hire a professional because they may not have the time, desire, or expertise to manage their investments.
8. How much contact do you have with your clients?
After an initial consultation, there may be several meetings in the first few months. During this time we want to get to know you and understand your situation. Throughout the year, we will meet for a mid year check up. At a minimum, you can expect an annual zoom or face to face meeting to review your entire plan, and make any needed adjustments. Although, life doesn’t always happen on a schedule. Never hesitate to call or email with any questions or concerns there may be for you or a member of your family.
9. What licenses, credentials or other certifications do you have?
CERTIFIED FINANCIAL PLANNER™
Certified Tax Planner
My Securities registrations held with LPL Financial are: Series 7, 24, 63, 65.
Insurance Licenses: Life and Health
For a complete biography click on About Us.
10. Are you accepting new clients?
Yes. Most of our new clients are referred to us by our existing clients or by a valued professional advisor, such as a CPA or attorney. To get started with your free consultation, please complete the information at Contact Us, or simply call me at 888-428-4483 to set an appointment.
11. Who do I contact when I have a service question?
Call Brittani Duncan at 833-253-3271 Email: admin.youradvisor@lpl.com
Brittani's office hours: 8:00 AM - 4:30 PM CST. I will respond with in 24 hours, typically within a few hours. For any immediate service Items you may reach out to our assistant Brittani Duncan.
12. What do I need to bring for the first meeting?
There is no preparation necessary for the first meeting. Most important is to get to know you and underständ how we may be able to help. This will also give you an opportunity to get to know us better as well.
That said, if you already have specific questions or would like us to review certain information, you’re welcome to bring or upload any relevant documents. Many clients choose to share recent personal or business tax returns, W-2s, profit and loss statements, IRAs, 401(k) or other investment statements, and budget spreadsheets ahead of time. This allows us to review your financial picture in advance and gives you more time during the meeting to ask questions and discuss next steps. We’ll also guide you on what to bring for future meetings as your planning continues.
13. What’s in a financial plan?
A holistic approach to the financial planning process integrates all areas of your financial life, including investment, tax, insurance, retirement, and estate planning. After a though analysis, strategies are designed to address any areas that need improvement. A summary of the analysis and recommendations are provided for your personal records.
14. How do I keep track of my investments?
Every Client is provided access to a private secure financial planning portal software called Right Capital. It's the Number 1 Ranked Financial Planning Software in the Country (Based on the 2025 T3 Insider Software Survey). To get complimentary access to the software for 180 days click the Access Now link below.
Your private financial planning website can consolidate all of your financial information (even on accounts we don’t manage, such as your 401k, Fidelity, Vanguard, T.Rowe Price, Schwaab, Etrade, Scott Trade etc…) into one snapshot so you can see updated daily asset allocation, how much risk do you have across all your portfolios.
You will be able to add your income, expenses, pensions etc… and generate a year by year cash flow projections to see how you are pursing your goals. This Cash Flow projection is in real time and will update with your asset values so you can see how you are pursing your goals at any point in time.
You will be able to link your credit card and checking accounts to pull in all your spending transactions which will allow you to see how your money is being spent across all categories. It allows you to track refunds and unwarranted charges. You can also create a budget within the website that will match up to your spending transactions.
You have access to an encrypted online vault where you can store digital copies of documents such as wills, trusts, insurance policies, photos, deeds, etc. for easy reference whenever you need to read through them. You can also upload photos & videos of personal property to have proof for insurance companies in case of loss.
There is also an organizer tab that allows you to update your income, itemized expenses, assets, liabilities, insurance policies and more that allow you to play the What If Game? Any changes you make will automatically update your cash flow planning projections so you can see how your are pursing goals.
There is also a financial planning checklist within the Organizer Tab to reference suggestions on planning and money saving ideas to help get your financial life in order.
See Video For What Your Financial Butler Personal Financial Planning Website Can do.
15. Our Fee Options
Option 1 : The 10X Financial Planning Value Promise
Most financial advisors focus on investments. We aim to help you uncover opportunities across your entire financial life.
What You Receive
Your planning engagement includes:
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Comprehensive review of your tax, retirement, investment, insurance, estate, and asset protection strategies
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Dedicated research and analysis by our planning team with over 30 years of experience
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A personalized strategy meeting (Zoom or in-person)
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Collaboration with your CPA, attorney, tax professional, lender, or key advisors when needed
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A dynamic financial plan built in the nation's leading financial planning software
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Ongoing access to your secure online financial planning portal
Our 10X Value Promise
Before recommending a planning engagement, we'll identify potential opportunities to improve your financial situation.
Your planning fee is based on the value we believe we can help uncover.
Example:
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Potential savings and opportunities identified: $50,000
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Planning fee: $5,000
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Value delivered: 10X your investment
If we do not identify the level of value promised, we will adjust your fee accordingly and refund the difference on a pro-rata basis.
Flexible Investment Levels
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Minimum planning retainer: $1,500
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Maximum planning retainer: $10,000
The more value we uncover, the greater your potential return on the planning investment. Even if we identify substantially more opportunities, your planning fee will never exceed $10,000.
Option 2: Investment Management Services
If you would like us to professionally manage your investments, retirement accounts, trusts, or other investment assets, we offer ongoing portfolio management and financial planning services.
Annual Advisory Fee Schedule
Assets Managed Annual Fee
Under $100,000 1.10%
$100,000 – $499,999 1.00%
$500,000 – $1,249,9990. .90%
$1,250,000 – $2,499,9990 .80%
$2,500,000 – $4,999,9990 .70%
$5,000,000 – $7,499,9990 .60%
$7,500,000 – $9,999,9990 .50%
$10,000,000 – $12,499,9990 .40%
$12,500,000+ 0.30%
Planning Fee Credit
If you hire us for investment management, any planning retainer you previously paid may be credited toward future advisory fees, subject to the terms of your advisory agreement.
What's Included
Your advisory relationship includes access to:
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Investment management
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Retirement planning
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Tax planning guidance
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Financial planning consultations
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Coordination with your professional advisors
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Ongoing portfolio monitoring
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RightCapital financial planning software
Additional Planning Meetings
Need extra planning support?
Additional consultations are available at $600 per hour and can be used for:
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Tax planning
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Retirement planning
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Investment reviews
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Estate planning coordination
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Meetings with your CPA or attorney
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Special financial projects
Important Notes
Tax preparation, bookkeeping, legal services, and formal tax opinions are not provided through our firm and must be performed by a qualified CPA, tax professional, or attorney of your choosing.
Securities and advisory services are offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.
