No. We are virtual financial planners that meet you through our screen sharing software. We turn on our webcams so we can see each other face-to-face. We created our business this way because most of our clients are couples who work late, have kids, or are young professionals with busy schedules. For example, a couple can log in on their respective computers during a lunch break at work versus having to get and pay for a babysitter or wasting precious time fighting traffic to get to our meeting. By not having to pay for expensive office space, it allows us to keep our prices down and pass on the savings to you. We also don’t have a strict 9am-5pm meeting schedule and can be flexible to meet when it works for you. Overall it allows us to achieve our main goal, helping more people.
Yes and No. They need to be committed to the process and should contact us directly (since the contract and engagement will be with them).
You might see on our website we use the word “Fiduciary” a lot as a way to describe ourselves. As the Department of Labor (DOL) has been working on the fiduciary rule for some time now it has brought more public attention to this word and its meaning. Here is a definition by Investopedia:
“… a fiduciary is a person or organization that owes to another the duties of good faith and trust. The highest legal duty of one party to another, it also involves being bound ethically to act in the other’s best interests. …” Read more: Fiduciary, Fiduciary Rule
Feeling anxious about the future or being disorganized about your finances are pretty good indicators.
You need someone who’s qualified to help you plan for the future, someone you trust, and a fiduciary (an advisor whose interests are aligned with yours.)
Our passion is guiding our clients towards smart decisions that help them achieve their life’s goals and protect their loved ones. The planning process focuses first on the goals of the entire family, secondly on the individuals in the family, and then on the financial pieces—investment advice, retirement planning and family financial planning. We do not outsource any of our financial planning work to others. We also are a younger firm, meaning we can make it with you through retirement because we have a long time left in the business.
The process begins with a free 15-minute phone call. We discuss your goals and current situation. Then we conduct a thorough analysis of your finances. The next step is presenting an organized approach that gets you aligned as a family and working towards your goals.
You pay one fee for the length of our engagement. We create a financial plan for you, and together, map out a timeline for your next steps. We will provide friendly reminders until you’ve taken the necessary steps or until we’re assured you’re on the way, or until the engagement period is over.
You can expect a trusting, confidential environment, as well as sound advice from a CERTIFIED FINANCIAL PLANNER™ professional with years of experience.
We offer flexible virtual meeting times, including Monday night availability. We work with our clients in their own time and at their own pace.
Fee-only financial planners do not get paid commissions for selling financial products or insurance policies. As such, fee-only planners can give objective, unbiased financial advice that is right for your family. And yes, Planning Within Reach is a fee-only firm. We also are different from some fee-only financial firms because we do not manage money. So our fees do not come from the investments we manage from clients, yet just from a fee for our advice. This lets us work with clients of all wealth.
We have worked with many clients to get their debt under control. We have also helped people find the best ways to manage their wealth. We don’t judge your situation, but guide you through the best course of action. Withholding financial information from your financial planner would be like going to the doctor when you’re sick and not sharing all of your symptoms or medical history. Without all of the details, diagnosis and treatment could suffer or fail.
You can expect a new sense of confidence around your financial picture. Not only will you find value in the delivery and execution of a comprehensive financial plan, you’ll understand each step of the process getting there.
No. Planning Within Reach offers affordable alternatives for young professionals and middle-class families to get the personalized financial advice they need. We have no “minimums” required to work with us and we love being able to work with individuals of all wealth.