Frequently Asked Questions
What is a financial advisor, anyway?
I like to see myself as a money nerd for hire. In the more traditional sense, I manage your money, choosing investments for you according to your goals and how comfortable you are with risk. I also create comprehensive financial plans for clients, giving them a roadmap for how to plan for their goals and optimize their current savings. Finally, I offer a wide array of financial literacy-type programs, where I can help you build a budget, analyze your current 401(k) options, or figure out the best way to tackle your student loans. More information about my services can be found in the Work With Me tab of this website.
What is the difference between financial planning and investment management?
Financial planning covers all aspects of a person’s financial well-being. This includes budgeting, savings, investments, debt optimization, student loan analysis, retirement and college savings plans, insurance coverage, and estate planning. Investment management typically focuses just on the portfolio at hand, and making sure that money is aligned with your risk tolerance and whatever goals you have for it.
Are you a fiduciary advisor? John Oliver told me to ask.
That John Oliver is a smart man. And damn right I am. I am legally and ethically required to put clients’ interests first in all matters, a standard that I’m proud to uphold. This also means that I do not sell products such as insurance and annuities, nor do I accept commissions of any kind.
If you don’t accept commissions, how do you get paid?
I am a fee-only advisor. When I manage a portfolio for you, I charge a fee based on how much money I manage: 0.75% of assets under management per year, billed on a quarterly basis. This means that if I’m managing $10,000 for you, you would essentially pay $75/year, broken into four quarterly payments of $18.75, set to auto-pay directly from your account.
When I do financial planning or financial coaching work, I operate under a flat fee system. I believe in transparency, so you’ll always see the fees for each service underneath its description on my website. I also offer custom services at an hourly rate of $125/hour.
If you manage my money, where does it live?
Much like choosing a bank for your checking and savings account, every financial advisor has to choose a custodian, or company that holds the money in the investment accounts. My current custodian of choice is Betterment. I chose it because it has the coolest, most easy to use client portal I’ve ever seen, plus features a wide array of tools that let me manage client accounts more efficiently.
What types of clients do you serve?
I love working with young professionals, which I define as anyone under the age of 40. This includes both individuals and couples. In addition, I do a lot of work with entrepreneurs, freelancers, and artists. Finally, I love working with LGBTQ+ folx, including polyamorous families.
What makes you qualified to do this type of work?
I graduated from one of the top schools in the country, the University of Chicago, then went on to get a Masters in Business Administration at the University of Tennessee, where I studied both Finance and Marketing. I have approximately 5 years of industry experience and am a Chartered Financial Analyst (CFA) charterholder. The CFA charter requires you to pass three rigorous exams, verify four years of relevant work experience, and annually recertify your commitment to ethical practice. You can read about the CFA charter on the CFA Institute website.
You’re located in Atlanta. What if I’m not?
No worries, friend-o. I’ve got clients all over the United States, and I’ve found that any meeting can be face-to-face with the power of video conferencing!
How much money do I need to have to work with you?
Zip, zero, zilch, nada. I don’t have account minimums, so even if you’re just getting started, you (YES, YOU!) can work with a financial advisor. In fact, my Financial Focus Sessions only run $99/session, so if you just need to pick someone’s brain for a bit, I’ve got your back.
YUP. REALLY. You’ll find that if you’re just getting started with investing, my fees are insanely cheap. (0.75% of $0 is, in fact, $0!). I also offer affordable coaching options, so that you can learn about personal finance without selling a kidney. I believe financial advice should be for everyone, so that’s how I structure my business.
How do I get started?
If you’re not sure what assistance you need, the best way to get started is to book a free, 15 minute meeting with me. This lets me pick your brain about what you’re trying to accomplish with your money, then offer up ideas of how I can help. Click here to pick a time that works for you, and I’ll give you a call!
If you know you just need a few specific questions answered, you can go ahead and book your Financial Focus Session here.