Frequently Asked Questions

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No. We want to make sure that you are comfortable with the service model and to set mutual expectations should you decide to forge a relationship with CSFP. Expect the conversation to last approximately thirty minutes.

Great question. A recent Vanguard study suggests an advisor can add value through relationship-oriented services such as financial planning and behavioral coaching. Humans have built-in behavioral biases that can lead to financial mistakes. The study suggests a good advisor can add as much as 3% of increased investment returns through behavioral coaching and other factors such tax reduction, mitigating your overall risk of financial loss, and portfolio asset location and periodic rebalancing between asset classes.

CFP® professionals represent a high level of competency, ethics and professionalism. Many advisors hold themselves out as a "financial planner;" however, only those who have fulfilled the certification requirements of the CFP Board can display the certification marks. See more at: CFP Board

A purely AUM (Assets Under Management) model fails to address the variances of client complexity. Two clients with identical investable assets will often have two extremely different fact patterns that necessitate two different levels of financial planning services. Why should you pay more simply because of your portfolio size? A flat planning fee addresses this issue.

No. We do not require asset management as part of our other services. We will give you an objective assessment of your current portfolio and show you how you can mitigate the cost of investing and keep more of your nest egg working for you.

No. We believe in a broadly diversified global portfolio approach made up of mutual funds and exchange traded funds (ETFs). We always recommend keeping single stock exposure within your ability to sustain loss.

No. We realize some clients do not wish to have an ongoing relationship with an advisor. However, personal and financial complexity is always evolving. Ongoing planning catches problems while they are still small.

Yes. We will mutually determine the scope of the engagement prior to the commencement of the work to be provided. The hourly rate of $250 per hour will apply and be outlined before you decide to engage our services.

Yes. Goals evolve throughout every stage of life. We will help you determine your ability to maintain your lifestyle and assist you with your estate, gifting and philanthropic goals.

No. We are happy to conduct virtual meetings.

Yes. We can work with clients all over the country.

No. We will, however, maintain a proactive relationship with your tax professional for Financial Partner clients.

Did you know?

A Fiduciary must act in the best interests of their clients.

Shawn is a fiduciary. At CSFP, above all else, the success of your financial goals come first!