I have experience covering general financial planning principles, investment planning, retirement savings and income planning, risk management and insurance planning, tax planning, estate planning, professional conduct and regulation, and education planning.
In addition, I’ve received my Enrolled Agent credential, the highest tax professional credential recognized by the IRS, covering the taxation of individuals and businesses, and the representation of clients before the IRS.
Fee-Only, Objective Advice: Fee-only financial planners have a legally binding responsibility to act in their clients' best interest. They do not accept any compensation based on product sales. Therefore, there are fewer inherent conflicts of interest in their advice. Recommendations are less tainted by payment incentives.
My fee is also not based on the size of your investment account/assets. This reduces potential conflict of interest by ensuring I get paid the same amount regardless of what I recommend, even if the recommendations don't involve contributing to investments, such as spending your money or paying down your mortgage.
Jargon free, direct, two-way communication. No conversation is off limits.
Finances/Career Simplified: One-page plan summary.
Life planning: Discussing why you chose your specific goals before we dive into how we're going to get there. Are these the right goals? Is the ladder on the right wall?
Value driven finances, not the other way around.
Two-way Accountability: Consistency and no judgement.
Prioritized Planning: We'll take care of the most urgent issue first to avoid overwhelming you and result in more immediate relief.
Optional monthly meetings ensures I stay in the loop of what's happening in your life.
Virtual meeting option saves time and money for both of us.
Income based fee: Annual fee is 1.5% of gross income and gross business receipts.
Income's a good measure for relationship
Opportunity, Complexity/labor, Ability to pay
Payable monthly: You don't have to pay all at once.
Example: If you and your spouse had total household income of $40,000, the annual 1.5% of income fee would be $50/month instead of $600/year.
$50/month is the minimum fee.
No hidden, cancellation, or initial upfront fees. An account may be terminated with written or verbal notice at least 30 days in advance. Upon termination, any unearned fee will be returned.
Missed opportunities compound in the same way investments and interest do
Save your time and worry
How the process will go
Keep in mind both the process and services may change depending on your situation and goals.
Saving/spending plan: emergency funding, negotiating bills, automating
Debt/credit: student loans and mortgage refinancing
Investments: diversifying, behavior, cost, rebalancing
Tax planning: deductions, credits, filing (filing is a separate fee based on complexity)
Employee benefits: qualified plans, stock options
Insurance: health, life, P&C/auto, home, etc.
Retirement planning: When / how can you retire? Where, when, and in what order of accounts to take money out of? Social Security/pension analysis
Estate planning: avoid probate, assign beneficiaries, organizing and simplifying estate plan
Education planning/funding: college comparison, FAFSA filing, grants, scholarships, work-study
Business: cash flow/funding, marketing, operations, coordinating corporate and personal planning
Career: salary/benefits negotiation, role enhancements, certifications, resume review, job search
Get Started / Contact
Use the floating scheduler button on the right of your screen to schedule a qualifying meeting to get to know each other better.
No B.S. Advising, LLC (“NBSA”) is a registered investment advisor offering advisory services in the State of Minnesota and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by NBSA in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.
All written content on this site is for information purposes only. Opinions expressed herein are solely those of NBSA, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to other parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.