What is your operating philosophy?
Personal finance was a bit of an avocation and is now something I coach and teach others as a part-time fee-based financial adviser. I do not manage investments (I will advise and recommend action) for those I counsel and my income is solely through hourly consulting fees and not based either on commissions from third parties for recommendations/transactions. Mine is more of a ‘teach a person to fish’ approach rather than a ‘feed a person a fish’ approach. You will learn to independently make choices and carry them through, now and in the future, rather than outsourcing your personal finance and staying dependent on experts. Further, there are plenty of charlatans who will take a good amount of your money through commissions and fees.
What do you charge for services?
My rate per session is $60. I allow deferred payment plans and I can provide my fee schedule on request for long term assistance on the management of your assets. For in-person services, you will be invoiced by mail. At this payment portal, you can make additional voluntary payments for the use of the resources at this site.
How can I set up an appointment?
If you would like a consultation please leave me a message at 551-233-6768 or a note at email@example.com with some details on what you would like to meet me about. I have a day job as an oncology bio-statistician and can accommodate about 4 to 8 financial advice sessions in a week and you can expect to meet me at a suitable public place (Public libraries, Cafes, Malls) or through Skype on weeknights or weekends.
What are your qualifications?
My qualifications include an MBA, completion of three levels of a chartered financial analyst program and a good number of years as a middle-class working stiff managing money, saving for retirement, paying the mortgage and saving for my children’s college much like the rest of the 99%!
What can you help me with?
I can help you with personal finance issues such as banking, credit cards, and other debt. I have expertise in investments in your retirement plans, ROTH and traditional IRAs, 529 plans, stock options, and stock grants, ESOP and tax-efficient investing strategies. Other areas where I can counsel you include insurance, estate planning, and social security. I have from time to time done some excel calculators that have been helpful to me and others. These should help you gauge areas where I have proficiency. The first calculator looks at various options open to a US investor and looks at how one after-tax dollar grows over time. The second looks at investments outside retirement accounts. The third looks at credit card debt. The fourth compares 401-K loans to bank loans. The fifth looks at optimal bond+stock portfolios. The sixth provides marginal tax rates in the US. The seventh looks at volatility and investment time frames. The eighth looks at assessing income after tax and pre-tax deductions and essentials. The ninth one looks at “How expensive a home one could buy?” , The last evaluate the relative value of gifting versus bequeathing excess assets.
Most of the calculators listed above are tied in through a series of lectures on personal finance at this page. The first is titled “Personal Finance for the Young or helpful advice Older Adults can offer Young People”. The second is titled “Personal Finance for the Working Stiff” and the third flips the title of the first and goes “Personal Finance for the Old and Helpful Advice Younger People can offer the Old.”