{"id":939,"date":"2019-07-03T12:55:16","date_gmt":"2019-07-03T12:55:16","guid":{"rendered":"https:\/\/finfree.com\/?page_id=939"},"modified":"2021-10-07T06:50:54","modified_gmt":"2021-10-07T06:50:54","slug":"fee-only-comprehensive-financial-planning","status":"publish","type":"page","link":"https:\/\/finfree.com\/fee-only-comprehensive-financial-planning\/","title":{"rendered":"Fee-Only Comprehensive Financial Planning"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column]    <div class=\"with_anchors\">\n\n        <section id=\"chapters-grid\" class=\"chapters-grid\">\n                                <div class=\"chapter\">\n                        <a href=\"#chapter-0\" class=\"chapter-i\">\n                            <div class=\"chapter-subtitle\">Chapter 1<\/div>\n                            <h2 class=\"chapter-title\">Fee-Only Comprehensive Financial Planning<\/h2>\n                        <\/a>\n                    <\/div>\n                                <div class=\"chapter\">\n                        <a href=\"#chapter-1\" class=\"chapter-i\">\n                            <div class=\"chapter-subtitle\">Chapter 2<\/div>\n                            <h2 class=\"chapter-title\">What is a Fee-Only Retirement Planner?<\/h2>\n                        <\/a>\n                    <\/div>\n                                <div class=\"chapter\">\n                        <a href=\"#chapter-2\" class=\"chapter-i\">\n                            <div class=\"chapter-subtitle\">Chapter 3<\/div>\n                            <h2 class=\"chapter-title\">What is a Fee-Only Wealth Management Firm?<\/h2>\n                        <\/a>\n                    <\/div>\n                                <div class=\"chapter\">\n                        <a href=\"#chapter-3\" class=\"chapter-i\">\n                            <div class=\"chapter-subtitle\">Chapter 4<\/div>\n                            <h2 class=\"chapter-title\">Why the Fiduciary Rule Matters<\/h2>\n                        <\/a>\n                    <\/div>\n                                <div class=\"chapter\">\n                        <a href=\"#chapter-4\" class=\"chapter-i\">\n                            <div class=\"chapter-subtitle\">Chapter 5<\/div>\n                            <h2 class=\"chapter-title\">An Overview<\/h2>\n                        <\/a>\n                    <\/div>\n                    <\/section>\n\n        <div class=\"chapters-info-w\">\n                            <section id=\"chapter-0\" class=\"chapters-info\">\n                    <header>\n                        <div class=\"chapter-subtitle\">Chapter 1<\/div>\n                        <h3 class=\"chapter-title\">Fee-Only Comprehensive Financial Planning<\/h3>\n                    <\/header>\n                    <div class=\"chapter-info-descr\">\n                        <p>What is fee-only comprehensive financial planning? Let\u2019s break down both parts of the word.<\/p>\n<p>Comprehensive financial planning by itself is a thorough, overall plan that takes into consideration the many factors in your life that affect your financial future. This plan becomes the roadmap to achieving your goals.<\/p>\n<p>Just like with any good road trip,\u00a0<strong><a href=\"https:\/\/finfree.com\/how-to-start-financial-planning-in-8-steps\" target=\"_blank\" rel=\"noopener noreferrer\">to establish a sound financial plan<\/a>,<\/strong>\u00a0a financial advisor assesses what drives someone and, we believe, should ask a lot of questions.<\/p>\n<ul>\n<li>Are you planning for an early retirement or a career change to follow a passion?<\/li>\n<li>How do you hope to spend your retirement?<\/li>\n<li>What would you like done with your\u00a0<strong><a href=\"https:\/\/finfree.com\/top-3-wealth-preservation-tactics\" target=\"_blank\" rel=\"noopener noreferrer\">assets after you\u2019re gone<\/a><\/strong>?<\/li>\n<li>What are your concerns, goals and dreams for the future?<\/li>\n<li>Do you foresee any large upcoming purchases, such as children\u2019s education or a move?<\/li>\n<\/ul>\n<p>By creating a tailored, comprehensive financial plan, you develop a solid foundation on which you can build and maintain your financial security. Once your financial plan is crafted, a financial advisor should then work with you to implement your action items.<\/p>\n<p>Then, there\u2019s the fee-only aspect to financial planning.<\/p>\n<p>Wall Street is well-known for hidden compensation and conflicts of interest. What fee-only means is an advisor\u2019s compensation comes only from his or her clients. A fee-only financial advisor does not earn any commissions or referral fees on the investments and recommendations he or she makes to you.<\/p>\n<p>How does this benefit you? It means your advisor provides non-biased financial advice that\u2019s in\u00a0<i>your<\/i>\u00a0best interest. A fee-only relationship eliminates even the perception of a conflict of interest that might exist.<\/p>\n<p><strong><a href=\"https:\/\/finfree.com\/services\/comprehensive-financial-planning\/\" target=\"_blank\" rel=\"noopener noreferrer\">Comprehensive Financial Planning<\/a><\/strong><br \/>\n<strong><a href=\"https:\/\/finfree.com\/fee-only\/\" target=\"_blank\" rel=\"noopener noreferrer\">Why Fee-Only?<\/a><\/strong><br \/>\n<strong><a href=\"https:\/\/finfree.com\/your-comprehensive-financial-planning-checklist\" target=\"_blank\" rel=\"noopener noreferrer\">Your Comprehensive Financial Planning Checklist<\/a><\/strong><\/p>\n                    <\/div>\n                <\/section>\n                            <section id=\"chapter-1\" class=\"chapters-info\">\n                    <header>\n                        <div class=\"chapter-subtitle\">Chapter 2<\/div>\n                        <h3 class=\"chapter-title\">What is a Fee-Only Retirement Planner?<\/h3>\n                    <\/header>\n                    <div class=\"chapter-info-descr\">\n                        <p>A fee-only retirement planner can only receive money from clients directly when recommending products, plans or investment opportunities. There are no hidden costs in the financial plan, and there are no incentives or commissions for any recommendations made.<\/p>\n<p>This fee arrangement is different from how other financial professionals are compensated. For example, insurance agents receive commissions from selling insurance products, while some investment managers may receive kickbacks for recommending certain investment products.<\/p>\n<p>The goal of a fee-only retirement planner is to remove any outside incentives from the retirement planning process. Even well-intentioned professionals not working on a fee-only basis will be aware of the possibility of recommending alternative and potentially inferior products or investment strategies to increase their own earnings.<\/p>\n<p>Fee-only retirement planners typically charge fees based on a percentage of Assets Under Management with the firm (as long as the firm does not receive any benefit from recommending certain investment strategies or investment products). They can also charge retainer fees, which are flat, predetermined costs for a client to use their services. Retainer fees are often determined based on the amount of effort involved to provide the necessary services based on each client\u2019s individual need.<\/p>\n<p><strong><a href=\"https:\/\/finfree.com\/what-is-a-fee-only-retirement-planner\" target=\"_blank\" rel=\"noopener noreferrer\">What Is a Fee-Only Retirement Planner?<\/a><\/strong><br \/>\n<strong><a href=\"https:\/\/finfree.com\/fee-only-wealth-management-vs.-commission-based-financial-advice-lets-compare\" target=\"_blank\" rel=\"noopener noreferrer\">Fee-Only Wealth Management Vs. Commission-Based Financial Advice: Let\u2019s Compare<\/a><\/strong><\/p>\n                    <\/div>\n                <\/section>\n                            <section id=\"chapter-2\" class=\"chapters-info\">\n                    <header>\n                        <div class=\"chapter-subtitle\">Chapter 3<\/div>\n                        <h3 class=\"chapter-title\">What is a Fee-Only Wealth Management Firm?<\/h3>\n                    <\/header>\n                    <div class=\"chapter-info-descr\">\n                        <p>At Financial Freedom, we value our clients\u2019 success, so we chose to structure our company as a fee-only wealth management firm. What this means for our clients is:<\/p>\n<ul>\n<li>We do not accept any commissions or compensation from third parties for any of the services we provide; not just for our financial planning and\/or retirement planning services.<\/li>\n<li>We will always provide independent and objective recommendations.<\/li>\n<li>We are your strongest financial advocates. Our retainer agreements are developed after getting to know a client\u2019s wealth management objectives and the scope of our work together. As a fee-only firm, an investor can rest assured that their financial team has their best interests in mind.<\/li>\n<\/ul>\n<p><strong><a href=\"https:\/\/finfree.com\/what-is-a-fee-only-wealth-management-firm-and-7-other-common-questions\" target=\"_blank\" rel=\"noopener noreferrer\">What Is a Fee-Only Wealth Management Firm \u2013 and 7 Other Common Questions<\/a>\u00a0<\/strong><br \/>\n<strong><a href=\"https:\/\/finfree.com\/top-3-reasons-why-you-should-work-with-a-fee-only-wealth-management-firm\" target=\"_blank\" rel=\"noopener noreferrer\">Top 3 Reasons Why You Should Work With a Fee-Only Wealth Management Firm<\/a><\/strong><\/p>\n                    <\/div>\n                <\/section>\n                            <section id=\"chapter-3\" class=\"chapters-info\">\n                    <header>\n                        <div class=\"chapter-subtitle\">Chapter 4<\/div>\n                        <h3 class=\"chapter-title\">Why the Fiduciary Rule Matters<\/h3>\n                    <\/header>\n                    <div class=\"chapter-info-descr\">\n                        <p>A fiduciary responsibility is the highest level of legal duty one party can owe to another, and it is the level of care that Registered Investment Advisors (RIAs) and fee-only financial planners provide. With fiduciary responsibility, the advisor is required to put clients\u2019 needs above his or her own opportunities to profit. While fee-only eliminates the possibility of a conflict of interest, a fiduciary duty takes the commitment to another level, legally bounding an advisor to perform in their clients\u2019 best interest.<\/p>\n<p>For example, RIAs must make investment decisions that they believe will be most advantageous for their clients\u2019 financial plans, even if the decision does not benefit the RIA in any way.<\/p>\n<p>In contrast, investment professionals who hold themselves to the less rigorous \u201csuitability\u201d standard of care are only required to suggest an investment recommendation or strategy is \u201csuitable\u201d for the client. Because of this more lenient practice, brokers can profit more easily from a transaction, and they do not need to put their clients\u2019 interests above their own.<\/p>\n<p>The dictionary definition of a fiduciary is a person who can be trusted to work for the benefit of another. The first fiduciary relationship that often comes to mind is that of a lawyer whose clients trust him or her with legal matters. Lawyers must do everything in their power to work in their clients\u2019 best interests. The rule is clear-cut: All lawyers have a fiduciary responsibility to their clients. For the sake of simplicity, lawyers cannot represent both the plaintiff and the defendant at the same case, for example.<\/p>\n<p>Similarly, in financial planning, a fiduciary is an advisor whose clients trust him or her with financial matters. Fiduciary financial advisors must put their clients\u2019 interests above their own. Unfortunately, the finance world\u2019s definition of a fiduciary is not as straightforward as that in the legal realm. Although common sense should prevail in defining the responsibilities of financial advisors to their clients, not all advisors are required to adhere to the standards of a fiduciary.<\/p>\n<p>Here\u2019s an example:<\/p>\n<p>Given the chance to pick one of two similar products, a non-fiduciary advisor isn\u2019t necessarily going to pick the one that charges the lowest fee, but rather could choose the one that pays the highest commission. He or she simply has to abide by the suitability standard \u2013 as long as an investment recommendation is suitable for the client, he or she has done the job.<\/p>\n<p>The problem with this business practice is that little fees add up. The difference between paying 0.75 percent and 0.25 percent, for example, on a particular investment may not seem like a big deal initially, but compound the difference over a number of years, and you can see the expense.<\/p>\n<p>When you seek investment advice, think about the fiduciary rule. It is your future nest egg after all that is at stake.<\/p>\n<p><strong><a href=\"https:\/\/finfree.com\/why-the-fiduciary-rule-matters-to-you\" target=\"_blank\" rel=\"noopener noreferrer\">Why the Fiduciary Rule Matters to You<\/a><\/strong><br \/>\n<strong><a href=\"https:\/\/finfree.com\/what-sets-us-apart\/\" target=\"_blank\" rel=\"noopener noreferrer\">How a Fiduciary is Different<\/a>\u00a0<\/strong><\/p>\n                    <\/div>\n                <\/section>\n                            <section id=\"chapter-4\" class=\"chapters-info\">\n                    <header>\n                        <div class=\"chapter-subtitle\">Chapter 5<\/div>\n                        <h3 class=\"chapter-title\">An Overview<\/h3>\n                    <\/header>\n                    <div class=\"chapter-info-descr\">\n                        <p><span style=\"font-weight: 400;\">All financial plans are different. But we believe that a comprehensive financial plan should address these 7 major aspects of a person\u2019s financial life:\u00a0<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Asset allocation, investment recommendations and portfolio management<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Retirement planning<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">College funding for children or grandchildren<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Risk management and insurances<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cash flow and taxes<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Estate planning<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Stock options, executive compensation, etc.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">A true comprehensive financial plan should also be tailored to each individual client, focus on that client\u2019s specific life goals and objectives and be updated on a regular basis.<\/span><\/p>\n<p style=\"text-align: left;\"><strong><a href=\"https:\/\/finfree.com\/what-comprehensive-financial-planning-should-look-like\" target=\"_blank\" rel=\"noopener noreferrer\">What Comprehensive Financial Planning SHOULD Look Like<\/a><\/strong><\/p>\n<p style=\"text-align: left;\"><a href=\"https:\/\/finfree.com\/top-3-wealth-preservation-tactics\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Top 3 Wealth Preservation Tactics<\/strong><\/a><\/p>\n<p style=\"text-align: left;\"><strong><a href=\"https:\/\/finfree.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Who is Financial Freedom?<\/a> \u00a0<\/strong><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/info.finfree.com\/financial-freedom-blog\/how-to-manage-your-finances-during-covid-19-market-volatility\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-1110\" src=\"https:\/\/finfree.com\/wp-content\/uploads\/2020\/07\/GettyImages-1212605968-300x200.jpg\" alt=\"Piggy bank wearing medical mask over nose and mouth. Coronavirus concept.\" width=\"800\" height=\"534\" srcset=\"https:\/\/finfree.com\/wp-content\/uploads\/2020\/07\/GettyImages-1212605968-300x200.jpg 300w, https:\/\/finfree.com\/wp-content\/uploads\/2020\/07\/GettyImages-1212605968-1024x684.jpg 1024w, https:\/\/finfree.com\/wp-content\/uploads\/2020\/07\/GettyImages-1212605968-768x513.jpg 768w, https:\/\/finfree.com\/wp-content\/uploads\/2020\/07\/GettyImages-1212605968-1536x1026.jpg 1536w, https:\/\/finfree.com\/wp-content\/uploads\/2020\/07\/GettyImages-1212605968-2048x1368.jpg 2048w, https:\/\/finfree.com\/wp-content\/uploads\/2020\/07\/GettyImages-1212605968-scaled.jpg 2000w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<p style=\"text-align: center;\">Read our blog article: <strong><a href=\"https:\/\/finfree.com\/how-to-manage-your-finances-during-covid-19-market-volatility\" target=\"_blank\" rel=\"noopener noreferrer\">How to Manage Your Finances During COVID-19 Market Volatlity<\/a><\/strong><\/p>\n                    <\/div>\n                <\/section>\n                    <\/div>\n\n    <\/div>\n\n\n[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][\/vc_column][\/vc_row]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"full-width-content","jetpack_post_was_ever_published":false,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fee-Only Comprehensive Financial Planning - Financial Freedom LLC<\/title>\n<meta name=\"description\" content=\"All financial plans are different. 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