Fiduciary, fee-only, and independent financial planning. Based in Charleston and Mount Pleasant SC – serving clients worldwide through the use of cutting-edge technologies.
An ideal financial plan is built around your specific values, goals, and dreams.
Within our relational process, we’ll clarify your current financial state, explore your ideal vision of the future, and evaluate options to achieve as much as possible – considering the prioritization of various scenarios.
As fiduciary financial planners, we have a duty of utmost good faith to act solely in the best interests of each client. Not all financial advisors are fiduciaries so this is an important distinction. Most advisors focus on “suitable” rather than the “best” financial planning solutions.
As fee-only financial planners, we do not accept any fees or compensation based on product sales. Fee-only financial advisors have fewer inherent conflicts of interest and generally provide more comprehensive advice.
Fee-Only Financial Planning with a Certified Financial Planner™ (CFP®) practitioner
Financial planning is the process of determining whether and how an individual can meet their life goals through the proper management of financial resources. We use the following Certified Financial Planner (CFP®) Board recommended steps to guide clients through this process:
- Establishing and defining the client-planner relationship
- Gathering client data including goals
- Analyzing and evaluating the client’s current financial status
- Developing and presenting recommendations and/or alternatives
- Implementing the recommendations
- Monitoring the recommendations
Financial planning subject areas denote the basic topics covered in the planning process and typically include, but are not limited to:
- Financial statement preparation and analysis
- (including cash flow analysis/ planning and budgeting)
- Insurance planning and risk management
- Employee benefits planning
- Investment planning
- Income tax planning
- Retirement planning
- Estate planning
Our Fiduciary Commitment to You
As a fiduciary, our firm and its associates have a duty of utmost good faith to act solely in the best interests of each client. Our clients entrust us with their funds and personal information, which in turn places a high standard on our conduct and integrity. Our fiduciary duty is a core aspect of our Code of Ethics and represents the expected basis of all of our dealings. The firm also adheres to the Code of Ethics and Professional Responsibility adopted by the CFP® Board of Standards Inc. and accepts the obligation not only to comply with the mandates and requirements of all applicable laws and regulations but also to take responsibility to act in an ethical and professionally responsible manner in all professional services and activities.
We also provide investment management services and business-integrated wealth management services for business owners. Combining personalized fiduciary financial planning, investment management solutions, and – when appropriate – integration of your personally-owned business provides a truly holistic solution to maximize your overall financial situation.
If you are ready to take the next step, let’s get started here.