I work with clients on the planning needs that are most relevant for them. It may be crafting a budget, creating a savings and investment plan, determining a sustainable level of retirement income, finding ways to reduce taxes, how to efficiently pass on assets to heirs, buying a first or second home, insurance coverage analysis, and sometimes all of the above!
Yes, as the Chief Investment Officer of Independence Square Advisors, I manage my client's portfolios directly and can tell you exactly why every single investment is in your account. Many other advisors are just 'relationship managers' and there is someone else actually choosing the investments.
Yes, I do not hold a commission based license and act as a fiduciary for all accounts I manage.