The PFA Way

We work best with clients who value structure, transparency, and long-term strategy over speculation or short-term reaction.

How Our Process Works

We are fee-based financial planners who proudly act as fiduciaries. That means we are legally obligated to put our clients’ interests first when providing advice.

Our professional emphasis includes:

• Portfolio management
• Retirement income planning
• Retirement plan design for businesses

We collaborate with independent investment researchers, tax professionals, and attorneys when appropriate to ensure your strategy is comprehensive and coordinated.

Communication & Ongoing Reviews

We believe strongly in consistent communication.

• Every qualified client meets with us at least once per year.
• More complex situations may require up to four meetings annually.
• Clients have 24/7 online access to investment accounts and financial plans.
• Our technology supports timely monitoring and communication.

What We Charge

We believe pricing transparency builds trust.

Financial Planning & Second Opinions

We charge a flat fee for planning projects, ranging from $250 to $10,000 depending on complexity.

These engagements:

• Are limited in scope and time
• Last up to one year before renewal
• Are refundable in accordance with the client agreement.

Fees and services are described in the client agreement and Form ADV.

Certain representatives may also be licensed to offer insurance products through affiliated or separate entities. Insurance products may involve commissions. When acting as an investment adviser, Professional Financial Advisors provides advice under a fiduciary obligation.

Ongoing Investment Management

For clients who want us to implement retirement plans, manage investments, and provide ongoing advice, we charge a percentage of assets under management.

Our goal is to maintain a healthy balance between affordability for the client and sustainability for our firm — ensuring long-term value on both sides.

We May Not Be the Right Fit If:

• You are looking for speculative or short-term trading strategies
• You prefer transactional advice instead of ongoing planning
• You do not value structured financial processes

We are best suited for individuals and business owners who want disciplined, coordinated financial guidance.

Next Steps

We are happy to invest an hour of time exploring whether a long-term relationship makes sense.

If you believe our approach aligns with your goals, schedule an initial call through our contact page.

Learn More About How We Work

➝ Why Work With a CFP® Professional
➝ Meet Our Team
➝ What We Do

Certain representatives of Professional Financial Advisors may also be licensed to offer insurance products through separate entities. Insurance products may involve commissions. When acting as an investment adviser, Professional Financial Advisors provides advice under a fiduciary obligation.