Why should I work with a CFP®?

Although many professionals may call themselves "financial planners," they are not all "certified".  Only those who have fulfilled CFP® Board's rigorous requirements can call themselves a CFP® professional.  CFP® professionals must acquire several years of experience, complete extensive training and pass the comprehensive CFP® Certification Exam, while being held to strict ethical standards.  Learn more about the Four E's of the CFP® Certification - Education, Examination, Experience, Ethics.

What is a Fiduciary?

A fiduciary is a professional who is obligated to put their client's interests ahead of their own.  Not all financial advisors are fiduciary's.  Some advisors can even wear multiple hats and may act as a fiduciary depending on the particular type of account or investments that they manage.  This type of arrangement can make it very confusing to the client when there are multiple accounts involved to clearly understand when the advisor is actually acting as a fiduciary.

Are you a Fiduciary?

Yes, under federal law, in particular the Investment Advisers Act of 1940, investment advisers are regulated by the Securities and Exchange Commission (SEC) or appropriate state authorities and are required to provide services to their customers under the fiduciary standard. Additionally, CERTIFIED FINANCIAL PLANNER™ professionals providing financial planning services must also abide by the fiduciary standard, as defined by the CFP® Board.

Who is your typical client?

Our clients have an interest beyond money.  They understand that money is just a tool and are interested in how they can best utilize it to maximize their lives and make it more meaningful. 

Who is not a good fit for WFP?

Someone who is interested in the latest hot stock tip, and those that are not open to sharing and discussing their complete financial picture.

How do you get paid?

At WFP we are fee-only which means we do not receive any commissions from the sale of any products.  We are paid directly from our clients by either a percentage of assets under management, a monthly retainer, a project based-fee, or by the hour.  Depending on your particular situation we will discuss the best scenario for you.  All fees and services are disclosed in our Form ADV, and your specific fees will be specified in our financial planning and advisory agreements which are signed by you prior to engaging in any services.

I would like to learn more,  what's the next step?

The next step is to schedule a time for us to talk and learn more about each other.  During our initial conversation the agenda is yours to ask any questions you have.  We will then discuss the scope of our agreement and the details of how we will work together moving forward if there is a mutually good fit. 

Will I be charged for our initial conversation?

No, our initial conversation is complementary, and completely free at our expense so we can learn more about each other and discuss how we can best serve you.

Do we need to meet at your office?

No, WFP was built from the ground up with technology driving our infrastructure.  We are a virtual office and can serve our clients anytime from anyplace.  It's your choice whether you prefer to meet in-person or via our secure online meeting platform.