Schedule your call to get started
It all starts with a no-cost conversation. Tell us about yourself, find out how we can help, and walk away with a complimentary financial plan!
Schedule your call
Get your complimentary one-page plan
We’d love to get to know you better! Schedule a call to ask your questions, tell us about yourself, find out how we can help, and decide if we’re a good fit. No pressure!
Is there a specific planner you prefer to meet with?
Working with us
1
It all begins with a conversation
It all begins with getting to know you. Ask us any questions you have and get a feel for how we work. We’re focused on understanding what’s important to you. How do you envision your future? What does it look like? Can we help you get there?
2
Getting a plan in place
Next, we dive deeper into your financial picture and what our recommendations are to get you on track toward achieving your goals. You’ll get a good understanding of what it’s like to work with us, and how we could work together moving forward.
3
Now, the decision is yours!
If you’re just not ready – for any reason – no problem! Your plan and our recommendations are yours to keep! And if you ARE ready, we begin executing your plan together right away!
You may be wondering...
Is the introductory call really free?
Yes – there is no cost or obligation for the introductory call. We’d love to hear your story, learn how we can help, and answer your questions.
Do I need to be prepared with anything specific for the first meeting? Information, accounts, or paperwork of any kind?
No – the first meeting is really an opportunity to hear your story, find out about why you are reaching out now, and share our process for how we work with our clients.
Many high-achievers like to feel prepared, and prefer to do their homework before the call. We’ll send you a document that outlines what we will ultimately review prior to our meeting so you’ll know what you’ll need.
But if that is stress inducing, no worries. We are glad to collaboratively get the information that we need to together through screen sharing — no need to prepare beforehand.
On the call we’ll take a look at your current situation and your future goals to create your one-page financial plan.
How long does the introductory call usually last?
The introductory call generally lasts 45-60 minutes.
Should my spouse be on the call?
If at all possible. We believe it is critically important for both spouses to be vested into the process and understand the financial planning framework.
What are some of the things we’ll talk about on the call? What can I expect?
You can expect a laid back and relaxed atmosphere. We know it can be difficult sharing intimate financial information with someone you just met.
Our goals are to:
(1) Understand ‘why now?’
(2) Learn what is important to you and your family
(3) Get a general understanding of your current financial situation
Is there any pressure or commitment required during the introductory call?
Not at all. We will be honest with you. If we think we would be good partners for you and your situation, we’ll let you know. If we don’t think you are a good fit for where we can add value, we will let you know that as well.
And if we are a good fit, the decision is yours — we won’t pressure you in any way. We understand how important it is that you find the right financial partner, and we know that the decision is hard. Take your time, do your homework, and we’ll be ready if you decide we’re the right financial planners for you.
What happens after the call?
We will send you a recap of the meeting with the framework for your 1-page plan. After that, the ball is in your court on how you would like to proceed.
How much does it cost to work with Know My Plan?
We have a competitive standard fee range which is an asset-based fee* (based on the investable assets that we manage). This fee covers your financial plan, ongoing support, and investment management. (see simple explanation below)
We predominantly utilize exchange traded funds and are committed to building low-cost diversified portfolios.
Our advisory accounts do not have commission or transaction fees.
We are a hybrid financial planning team which means that we can charge advisory fees, but we can also receive commissions on brokerage accounts. We think it is critically important to be able to offer both advisory and commission-based products.
Many insurance based products are only available on a commission basis. We think it is imperative for our families to have appropriate levels of life, disability, and long-term care insurance. We don’t want to outsource that out to a 3rd party. We want to be involved in that process.
When commissions are involved, we will clearly communicate that with you.
Simple explanation: Our asset management fee does not include expense ratios, which are the price of investments that must be paid by all investors, no matter if they are working with an advisor or managing their investments on their own. This fee varies depending on the investment. If your investments will include expense ratios, we will keep you fully informed so there are never any surprises or unexpected expenses.
*We primarily offer fee-based advisory services charging a flat fee based on a client’s total assets under advisement. However, if deemed appropriate and in our client’s best interest, we also provide commissioned brokerage services. Though our financial advisor provides clients with great care and recommendations, advisors only have a legal fiduciary obligation to advisory clients. In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part 2 as well as the client agreement. Services rendered will be dependent on applicable agreements.
Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
ETF shareholders should be aware that the general level of stock or bond prices may decline, thus affecting the value of an exchange-traded fund. Although exchange-traded funds are designed to provide investment results that generally correspond to the price and yield performance of their respective underlying indexes, the funds may not be able to exactly replicate the performance of the indexes because of fund expenses and other factors.
How hard is it to get started (move accounts, etc.)?
The process of becoming a Know My Plan client has never been easier. Transferring assets from a prior advisor/custodian is generally easy, and we’ll be there to help you every step of the way.
Will I really have access to my advisor whenever I need him?
Yes! We’re not available 24/7 – we have families and take vacations – but, the great thing is that we have a team approach. In the case that your primary advisor is on vacation or out of reach, another team member will be glad to assist you. So when you have urgent questions, or you’re facing a tough decision, you will always have support and guidance.
Not quite ready to meet?
Ask us anything!
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Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.