Focus Areas

Client Specialties

Fee Structures

How an advisor is compensated can have an impact on the type of advice that you receive. Fee-only advisors are paid solely by the client, while commission-based brokers are paid by third parties in return for selling specific products. Many advisors receive both fees and commissions. See our "Guide to Financial Advisor Compensation" for more information.

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Designations

While designations are not everything when selecting a financial advisor, they often indicate a certain level of knowledge related to a specific field and/or commitment to certain ethical and professional standards. Please see our detailed Guide to Financial Advisor Designations for more information.

Availability

  • Charles J Stevens Jr

    Plymouth, MA

    Personal Finance, Retirement, Investing

    668 answers

    341 out of 392 people found Charles J's answers helpful

    Most recent answer
    What financial and other information should I have for my wife and family if die or become incapacitated?

    What a great and thoughtful question! Kudos! The process I need to complete with my spouse (and offspring) is a central file that has all of the financial and estate information the two of you can find or think of and keep it up to date in a location you all agree on. Your safe deposit box is not that location as they are usually sealed when one owner dies until estate documents are filed. You might need access to some of these papers in the interim. The file should include in addition to...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Brian McCann CFP®

    San Jose, CA

    Personal Finance, Retirement, Investing

    481 answers

    210 out of 240 people found Brian's answers helpful

    Most recent answer
    Should I get Guaranteed Universal Life Insurance or Term 30 year insurance?

    I think it is admirable that you are looking out for you children's interest with insurance. I agree that term insurance is the best way to go for you. Unless you have need for a permanent policy (GUL is designed to be permanent - it will definitely pay a death benefit if you maintain the required payments), then usually term is the way to go. Some examples of a need for a permanent policy include: securing the future of a handicapped or dependent child, estate tax consideration, or business...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Tim Neuenschwander CFP®

    McFarland, WI

    Personal Finance, Retirement, Investing

    18 answers

    18 out of 21 people found Tim's answers helpful

    Most recent answer
    What's the best way to turn my inheritance into a living?

    I hate to burst the bubble, but $300,000 may not be enough to accomplish what you're looking to do (of course, there are a lot of pieces of information missing, including your age, other assets, etc., that make a complete answer impossible). Depending on what market you live in, $300,000 may not be enough to buy an income-producing property that generates enough cash flow to live off. You may be able to leverage that money and take out a mortgage that increases the price of property you can...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Froilan Rellora

    Mesa, AZ

    Personal Finance, Retirement, Investing

    10 answers

    3 out of 3 people found Froilan's answers helpful

    Most recent answer
    I'm locked into an annuity and I'm worried about what the rep is telling me. What can I do?

    If your annuity is in a qualified account you will not be taxed unless you are planning on taking it as a distribution. Transferring it to another qualified account is not a taxable event. If your annuity is in a non-qualified account, you will be taxed on any interest and earnings in the account unless you exchange it for another annuity via a 1035 exchange. Please keep in mind that you may also incur additional surrender charges depending on how long you have had your annuity. I suggest...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Chris Chen CFP®,CDFA

    Waltham, MA

    Personal Finance, Retirement, Investing

    574 answers

    355 out of 457 people found Chris's answers helpful

    Most recent answer
    I'm locked into an annuity and I'm worried about what the rep is telling me. What can I do?

    It's not so much the taxes that you should be concerned with. it is the "surrender charges", the fees that the annuity company will be charging you to get out. With respect to taxes, you might have to pay on the earnings and also a penalty if you withdraw before 59.5. If you transfer the annuity, there is no tax, just "surrender charges" You need to evaluate whether it is worth your while to stick with that annuity company. The term "surrender charge" is designed to make you think that you...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Christopher Jorgensen

    Smithtown, NY

    Retirement, Investing, Small Business

    74 answers

    36 out of 38 people found Christopher's answers helpful

    Most recent answer
    I'm locked into an annuity and I'm worried about what the rep is telling me. What can I do?

    I can understand your concern if you are not getting clear answers from your representative. More information is needed however in order to assess if this is the right investment for you. Not only do we need to be concerned with taxation,m but also any "Contingent Deferred Sales Charges" (CDSC) that may be charged for early termination. Is this in a qualified account ? (IRA) Is there an increase in the asset value? Have you taken any income or distributions from it? These and other questions...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Michael Cash EA

    Modesto, CA

    Taxes

    330 answers

    104 out of 152 people found Michael's answers helpful

    Most recent answer
    MY brother and I own a house together. He is going to buy my half out. If I put that money into some type IRA, can a put off paying capital gains tax?

    No. Period. End of...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Guy Baker CFP®,AEP,ChFC,CLU

    Irvine, CA

    Retirement, Investing, Insurance

    3956 answers

    2086 out of 2584 people found Guy's answers helpful

    Most recent answer
    Should I finish paying off my dream car or sell it and lease something new?

    As you know, there is nothing rational about owning cars. I did the same thing for years. Changed cars many times through the years. If I had all the money I have lost on cars, I could get rid of the money I have (just kidding.) Do you need a car in the city? I bet if you used Uber, you could use public transportation for a couple of years and save a lot of money. Just a thought. You are going to lose a lot of money on this transaction. Here are your options. Continue with the $600 a month -...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Brian Lowrance CFP®

    San Diego, CA

    Personal Finance, Retirement, Investing

    5 answers

    0 out of 0 people found Brian's answers helpful

    Most recent answer
    Are there any legitimate automated binary trading software/bots?

    Yes there are, but the ones that really work are generally guarded closely by their owners and are pretty much never publicly available. Some places you might be interested in visiting: quantopian.com, rizm.com,...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Family & Community Services, Inc. (NFCC) NFCC Certified Credit Counselor

    Ravenna, OH

    Personal Finance

    215 answers

    90 out of 110 people found Family & Community 's answers helpful

    Most recent answer
    What can I do with a car I no longer want to pay for?

    I understand your pain with the high interest rate and the feeling of being trapped.  Unfortunately, it looks like you have gotten involved with predatory lending practices and due to a short credit history or poor credit history have been financed with a sub-prime loan.It would be in your best interest to chalk this up as a learning experience and continue to pay on the car.  Go ahead and check into the option of re-financing for a lower interest rate when the time comes.  As...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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