Choosing a financial planner is a big decision. Personalities, philosophies, and core values should be aligned. If you're a pre-retiree with retirement assets between $1m - $6m, I'm a good place to start.
At PharmD Financial Planning, I make three simple promises that go a long way.
1st: I will be available when you need me most. This is the beauty of hiring a boutique firm. I'm there for you, always. Not a secretary, junior advisor, or call center. It's you and me, together.
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.
It's the family environment I grew up in and is the demographic I've spent my professional career specializing in. My clients have earned everything they have and that creates a unique relationship with money. My sweet spot is understanding that and helping them turn those decades of hard work into a lifetime of retirement confidence. My clients have done the hard part and it's my job to make sure they get to enjoy the rewards of all those years of work. If you're within five years of retirement and seek a trusted, long-term planning partnership, this firm will be a great 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 $12,000 per year for all services offered, regardless of income or asset size. A simple and transparent flat fee. This flat fee encompasses all services offered INCLUDING investment management. This flat fee can be paid from investment accounts, bank accounts, or by credit card on a quarterly basis. 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 self-made pre-retiree and retiree families, regardless of profession.