Choosing a financial planner is a big decision. Personalities, philosophies, and core values should be aligned. If you're a mid-career professional or pre-retiree, I'm a good place to start.
At PharmD Financial Planning, I make three simple promises that go a long way.
1st: I will always be available when you need me most. This is the beauty of hiring a boutique firm. I'm there for you, always.
2nd: I will be proactive with my advice, guidance, and our work together. It's why I created the PharmD Planning Process.
3rd: I will be responsive to your needs. My loyalty and duty of care are to my clients and not to some large corporation that employs me.
Finally, I abide by a true fiduciary standard 100% of the time.
Being a fiduciary means that I am legally and ethically required to disclose any potential conflicts of interest and to work in your best interests at all times. Given that I am a commission-free, fee-only advisor, I have “fiduciary” built into the firm's structure. I have even gone as far as signing a Fiduciary Oath. Check out my Flat Fee Fiduciary Advisor webpage to read more.
I specialize in working with mid-career professionals and pre-retirees because it allows me to operate with greater focus and precision. It results in better working relationships with my clients that competitors can't match.
Yes! PharmD Financial Planning is a location-independent firm. We work with client's in-person and virtually. If you have an internet connection, we can meet virtually. If you live close by, you're welcome to stop by the office.
I charge $1,625 per quarter for all services offered, regardless of income or asset size. A simple and transparent flat fee. Those fees can be paid from investment accounts, bank accounts, or by credit card. Check out my pricing webpage to learn more.
SEI Investments Company is the custodian used for PharmD Financial Planning's investment advisory services. All financial transactions and funds are held by this trusted third party to better protect you.
Yes, we offer a complimentary initial consultation. This meeting gives us both the opportunity to get to know each other and determine if we're a good fit. During this consultation, we'll discuss your financial goals, current situation, and how my services might benefit you. It's also a great time for you to ask any questions you have about my firm and approach to financial planning.
You can end our relationship at any time. Clients pay their fees on a quarterly basis, so if you find it's best to move on, I will refund whatever portion of your fees remain as a gesture of good faith. And in the end, we will part ways as friends.
PharmD Financial Planning started as a firm helping pharmacists with retirement planning. This is where the PharmD name comes from. Due to demand for my services, I've expanded my scope and now work with pre-retiree and retiree families, regardless of profession.