Planner Interview Questions

I enjoy helping people make smart financial decisions.

What is best for you among the many options when you need to make a financial decision? What can you do to reduce the risks? There is plenty of information everywhere but so much of it is conflicting or may not apply to your particular situation. Few people, even when financially knowledgeable, have the time, specific education, or inclination to understand all the rules and options and to apply them to their particular situation.

I enjoy doing just that! I view myself as a “financial” doctor – capable of diagnosing financial health issues and providing the best course of action to obtain, regain and maintain financial health.

I sell no financial products and receive no commissions. My recommendations are based solely on what is in the best interest for you.

Before focusing on personal financial planning, I was employed as an audit manager at PriceWaterhouseCoopers, one of the largest international accounting and auditing firms. Subsequently I spent a number of years in corporate international finance at a FORTUNE 500® company.

I am a Certified Public Accountant (CPA), a Certified Financial Planner™ professional (CFP®) and have a Master’s of Science in Business Administration (MSBA) in Financial Planning. I am a member of the Garrett Planning Network, the American Institute of Certified Public Accountants (AICPA) and the Financial Planning Association (FPA).

Yes, as a CFP® certificant and a Registered Investment Advisor, I adhere to the Standards of Professional Conduct, including the duty of care of a fiduciary which states that “A certificant shall at all times place the interest of the client ahead of his or her own.”

I welcome working with clients regardless of asset size, net worth or income. An on-going relationship provides you the best assistance in reaching your goals. Similar to your annual check-up with your physician, it is a good idea to see your financial planner once a year or more frequently, if your financial situation changes. However, a one-time engagement, second opinion, or just getting a couple of questions answered may also work for you. I’m fine with both of these approaches and am happy to work with you in whatever way suits your needs.

NO

NO

YES, my firm is a registered investment advisor with the state of California.

A. Fee-Only, please define method of determining fees:

YES, fees for financial planning are based on my estimate of the actual time to be spent meeting with you, researching and analyzing your current situation, and documenting specific recommendations.

B. Commissions only:

NONE

C. Fee and Commissions (fee-based), provide typical breakdown:

NONE

D. Other:

NONE

I have no minimums as far as assets, account size, net worth, income or annual financial planning fees. A full schedule of services is posted on the website to give you an idea of typical price ranges before you meet with me.

YES, my standard client agreement will detail the scope of the project including the type of planning services to be provided and the projected fee. Once we have the get-acquainted meeting, I’ll provide the fee quote and work with you if we need to tweak the project based on your budget.

YES, I provide a written analysis and recommendations for your specific situation. All of our engagements include at a minimum a written situation summary and recommendations. For the full financial plan or investment analysis, you receive in addition a written detailed analysis including charts, projections, and portfolio reports.

Client’s needs and preferences on this issue vary widely. I price this component separately so you’re not paying for it if you don’t plan to use it. That said, all of our engagements include an action list for implementation, options for how to accomplish the action items, and the ability to call and ask questions regarding the recommendations for up to 30 days at no additional charge. For those that desire full-service implementation, I will bill based on the time spent.

YES, I am happy to provide a second opinion or a one-time review.