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

  • J.R. Robinson

    Honolulu, HI

    Personal Finance, Retirement, Investing

    697 answers

    2799 out of 2928 people found J.R.'s answers helpful

    Most recent answer
    Rational or Irrational Exuberance, more financial experts are predicting the next Tech bubble. Do we listen and wait?

    Without editorializing too much, a read of the details suggests to me that you may be overthinking things a bit.  There is a mountain (think Himalayas) of academic/empirical research to suggest that attempting to make these sorts of market assessments and timing decisions is an exercise in futility.  For more on this topic, see the following article links: Don't Make the Trading Gods Laugh (Bloomberg) Why Market-Timers Go Nuts (Advisor Perspectives) You are your...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.
  • John Willcockson AFC®

    Colorado Springs, CO

    Personal Finance, Retirement, Investing

    1 answer

    0 out of 0 people found John's answers helpful

    Most recent answer
    We need to replace my car. We are wondering if we should pay cash for a used car (up to about $20k), or finance it and pay off our student loan, or invest the money?

    You are asking great questions, Bravo!  First, find out the interest rate you would be charged for a used car loan.  Start with your current bank or credit union, and then look online. Bankrate.com shows anywhere from 1.99% to 7.25% for a 36-month used car loan; your rate will depend on which lender you choose, your credit score, and similar factors. If you qualify for a low rate, for example 1.99% from your credit union, consider financing the car purchase.  (Just be...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.
  • Scott Frank CFA,CFP®

    Encinitas, CA

    Personal Finance, Retirement, Investing

    30 answers

    26 out of 27 people found Scott's answers helpful

    Most recent answer
    Does paying off a credit card balance affect your credit score even if soon after the balance will be charged back to the same amount?

    Good question!  What you are proposing is actually a great way to prove you are reliable with credit.  I am a big fan of using credit to pay for items and expenses that you have cash readily available.The key is to buy the computer with your credit card and then pay off the credit card in full after you receive your monthly statement from the credit card company.  If you paid off the credit balance before statement period, your credit card company would report no balance to the...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.
  • Cheryl Welch

    Poughkeepsie, NY

    Insurance, Healthcare

    36 answers

    13 out of 21 people found Cheryl's answers helpful

    Most recent answer
    How can I figure out how much Medicare allows for a specific procedure at a given hospital? (details below)

    We see questions like this often on this board.A great website would be www.guroo.com or www.fairhealthconsumer.org or like Stan recommended calling the hospital directly. Best 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.
  • Graceworks CCCS (NFCC) NFCC Certified Credit Counselor

    Dayton, OH

    Personal Finance

    11 answers

    4 out of 4 people found Graceworks CCCS's answers helpful

    Most recent answer
    I have tried asking student loan companies to lower my monthly payments, but, ironically, because I haven't defaulted, they are unwilling to lower my payments. Should I default so I can set up a more humane payment plan? Also, should I prioritize paying of my student loans, contributing to retirement, or setting up savings?

    Please check out the information on www.studentloans.gov.  Look over their repayment estimator where you can put in your gross income, family size and the state where you reside.  It will figure payments for the federally backed student loans accordingly.  Once you see what options would be available for the federal loans, then you could ask the private student loan companies for a similar break.  They should not be taking every penny after your basic needs are met.If 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.
  • Conquer Your Debt (NFCC) NFCC Certified Credit Counselor

    Duluth, MN

    Personal Finance

    219 answers

    81 out of 102 people found Conquer Your Debt's answers helpful

    Most recent answer
    I am attempting to pay 4 medical debts that are with 2 separate collections agencies. How can I make sure the debts will be cleared once I hand the money over?

    You did the right thing to call and make sure the accounts are still with the collectors before sending money.  If collectors won't provide you anything in writing, then be sure type up a letter, include the funds, and send via certified mail requiring a signature upon receipt. Include the following eight reference points on your letters: 1) your name and address, 2) original account number, 3) original creditor name, 4) collection file number, 5) name and...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.
  • Jorge A. Romero CFP®

    The Villages, FL
    Winter Park, FL
    Tavares, FL
    Clermont, FL

    Personal Finance, Retirement, Investing

    17 answers

    8 out of 8 people found Jorge A.'s answers helpful

    Most recent answer
    How safe (solvent) is the FDIC?

    The FDIC has been around for over 80 years and to date no one has ever lost any insured funds in bank failures; moreover, the FDIC retains a line of credit with the US Treasury who in turn is backed by the full faith and credit of The United States Government so it is as safe as it gets.That said, no amount of FDIC insurance can protect you from the impact of inflation over time; therefore it is important that you have a plan.  With current interest rates at historic lows, anything FDIC...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.
  • Russell McAlmond CFP®,AEP,AFC®,ChFC,MBA

    Portland, OR

    Retirement, Investing

    2 answers

    1 out of 1 person found Russell's answers helpful

    Most recent answer
    It is better to recast my mortgage or continue paying the same monthly payment after putting the $50,000 toward my principal? If I continue to pay the same monthly payment does the term of my loan decrease?

    It is great that you have $50,000 to reduce your principal.  Good job!  I am hoping that this is above and beyond your emergency savings account of three to six months worth of living expenses.  The emergency savings fund should not be used for a mortgage reduction. You didn't mention your interest rate, but I will assume it is low.  One question to ask yourself is if you could earn more on the $50,000 by investing it than putting it into your mortgage.  If 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.
  • Matthew Crisafulli EA

    Encino, CA

    Personal Finance, Investing, Taxes

    3 answers

    4 out of 4 people found Matthew's answers helpful

    Most recent answer
    What's the difference between being vested verses 401k? Can I be vested in a company without having a 401k?

    Being "vested" is a term that means you are entitled to some specific type of benefit, at a specified, time from your company. A 401k is an account you save money in for your retirement.Typically, one is not vested in a company, they are vested in some benefit FROM the company (such as 401k matching contributions, or 401k profit sharing contributions, or employee stock options, etc.).Companies with 401ks put restrictions on when company money put into an employee's account actually belongs 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.
  • Carlos A. Colon AFC®

    Lakewood, CO

    Personal Finance

    2 answers

    0 out of 0 people found Carlos's answers helpful

    Most recent answer
    How should I spend $10k home equity line of credit? Trade in high car payment or pay off credit cards?

    This is a question worth pondering.  Many consumers use the strategies you are considering, and it works for some. However, caution should be recommended whenever considering converting unsecured consumer debt into a secured investment like a home or property. A line of credit on a home is best used for investing in, and improving, on the property itself.  Using a home to payoff consumer debt is risky because it transfers an unsecured debt responsibility into a secured...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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