Question 1

How do I know if I need a financial planner?

Accepted Answer

If you're feeling overwhelmed by financial decisions, unsure about insurance needs, want to save for college, or need help planning for retirement, a financial planner can provide clarity and direction. We work with families at all income levels and stages of life.

Question 2

What should I bring to my first meeting?

Accepted Answer

For your discovery call, just bring yourself and any questions you have. If we move forward, we'll ask for information about your income, assets, debts, insurance policies, and financial goals. We'll provide a detailed checklist to make it easy.

Question 3

How long does the planning process take?

Accepted Answer

The initial discovery call is 30 minutes. If we're a good fit, the comprehensive planning process typically takes 4-6 weeks from data gathering to final plan delivery. Implementation timelines vary based on the complexity of your situation.

Question 4

Do you work with clients virtually or in-person?

Accepted Answer

Many of our clients prefer virtual meetings for convenience, but we're happy to meet in person if you're in the Austin, Texas area. All our services are available regardless of how we meet.

Question 5

Do I need a lot of money to work with you?

Accepted Answer

No. We work with families at various income and asset levels. Whether you're just starting to build wealth or have significant assets, we tailor our services to meet you where you are. Our goal is to help you grow, regardless of your starting point.

Question 6

Can I just get help with one specific thing, like life insurance?

Accepted Answer

Absolutely. You can engage us for specific services like life insurance analysis, retirement planning, or ongoing advisory support. We'll recommend what makes sense for your situation without pressure to do more.

Question 7

How much life insurance do I really need?

Accepted Answer

A good rule of thumb is 10-12 times your annual income, but it depends on your debts, number of dependents, and financial goals. We use a detailed calculator that considers your mortgage, future college costs, income replacement needs, and final expenses to determine the right amount.

Question 8

Should I buy term or whole life insurance?

Accepted Answer

For most growing families, term life insurance is the better choice. It provides maximum coverage at the lowest cost during the years your family needs it most. Whole life can make sense in specific situations, which we'll discuss if relevant to your circumstances.

Question 9

What is disability insurance and do I need it?

Accepted Answer

Disability insurance replaces your income if you become unable to work due to illness or injury. You're actually more likely to become disabled than die during your working years. If your family depends on your income, disability insurance is crucial protection.

Question 10

I have life insurance through work. Is that enough?

Accepted Answer

Usually not. Employer-provided life insurance is typically 1-2 times your salary, which isn't enough for most families. Plus, you lose that coverage if you change jobs. We recommend supplementing with an individual policy you own and control.

Question 11

When should I start saving for retirement?

Accepted Answer

Yesterday! But seriously, the earlier you start, the more time compound growth has to work in your favor. Even small amounts in your 20s and 30s can grow significantly by retirement. We'll help you determine how much to save based on your retirement goals.

Question 12

What retirement planning strategies do you help with?

Accepted Answer

We help with retirement income projections, Social Security optimization, 401(k) and IRA strategies, and healthcare and Medicare planning. Our goal is to create a clear roadmap to the retirement lifestyle you want.

Question 13

Are you a fiduciary?

Accepted Answer

Yes. We are held to a fiduciary standard, which means we are legally and ethically required to act in your best interest at all times. Your success is our success, and we take that responsibility seriously.

Question 14

How often will we meet?

Accepted Answer

It depends on your needs and preferences. Most clients meet with us quarterly or semi-annually for portfolio reviews and plan updates. We're also available via email and phone whenever questions arise. You're never on your own between meetings.

Question 15

What if my situation changes?

Accepted Answer

Life changes, and your financial plan should too. Whether you have a baby, change jobs, receive an inheritance, or face unexpected challenges, we're here to adjust your plan accordingly. That's the value of an ongoing relationship versus a one-time plan.

Question 16

Can I cancel or pause services if needed?

Accepted Answer

Yes. We don't lock you into long-term contracts. If your situation changes and you need to pause or end services, we'll work with you to ensure a smooth transition. Our goal is to be a resource when you need us, not a burden.

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