Business Description
Our mission is simply to help people make life more... We are an independent, fee-only financial planning and investment advisory firm that provides comprehensive advisory services to individuals, trusts, and estates. Whether you are seeking answers to a few key issues, need a second opinion, or need ongoing assistance, our flexible approach allows you to choose the level of service that's right for you. Best of all, we’re held to a fiduciary standard, which means we have an ethical obligation to act in the best interest of our clients.
General Information Gender:    Male CRD#:    134022 States Licensed in:    CA Years of Experience in Financial Services:    20 Number of Years with Current Firm:    20 I work with the following types of clients:    Individual Investors, Non-Profit Organizations, Businesses
Education Academic Background   Graduated from the College for Financial Planning in Denver, Colorado and was conferred with the Certified Financial Planner (CFP) designation by the Certified Financial Planner Board of Standards.
Services Investment Types:    Alternative Investments, Bonds, Stocks, Exchange Traded Funds (ETFs), Mutual Funds, Insurance, Annuities, Socially Responsible Investments (SRI)
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Certified Retirement Counselor (CRC), Chartered Retirement Plans Specialist (CRPS®) Securities Licenses:    Series 63 Insurance and Annuity Licenses:    Disability, Life, Health, Annuity, Casualty, Property, Variable Life, Long Term Care, Variable Annuity Financial Organization Memberships:    Financial Planning Association (FPA), Paladin Registry, National Association of Personal Financial Advisors (NAPFA) Non-Financial Organization Memberships:    Society of Human Resource Managers
Firm Information Number of Advisors in Office:    Up to 10 employees
Compliance Registered Investment Advisor:    Yes Investment Advisor Representative:    Yes I am an acknowledged fiduciary:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees I am a fee-only financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    0 Compensation Methods:    Flat Fee, Hourly Hourly Rate:    $125.00 Additional Details on Charges:    We provide independent, objective and highly qualified advice and support by the hour, by the project, or on retainer.
Prepared By:	Matthew Etzler

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	Do you offer any guaranteed results?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

Q.	What are your qualifications?

Q.	What is your approach to 401 K plan rollovers?

Q.	How long does the process of rolling over a 401K plan usually take?

Q.	What financial institutions do you represent?

Q.	How many years of experience do you have?

Q.	What are your fees for this service?

Q.	How many 401K rollover clients do you currently manage?

Q.	Why should I roll over my 401K plan to your firm?

Q.	Do you provide a free initial consultation?

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Q.	Do you have a customer satisfaction or refund policy?
In consideration of the trust you place in us, we commit: (1) to act as your fiduciary; (2) to have no allegiance to any company, product, or service, beyond our belief in its ability to help you reach your goals; (3) to get to know you, your goals, struggles and challenges around money, and to tailor our recommendations accordingly; and (4) to treat you with respect, professionalism, and honesty

Q.	What are your qualifications? What is your education background?
Graduate of the College for Financial Planning; Certified Financial Planner™ (CFP®); nearly two decades of financial planning experience; Certified Retirement Counselor (CRC); Chartered Federal Employee Benefits Consultant (ChFEBC); Accredited Tax Preparer (ATP); Awarded the highest, Five Star rating and admitted to the Paladin Registry; complete over 100 hours of continuing education each year

Q.	What is your approach to financial planning?
Mathematical analysis and forecasting, professional evaluation and advice, specific recommendations, support, a structure for making decisions, and accountability - all so to enable our clients to make effective financial decisions, and to find ways to become more effective in their lives. We help to put issues into perspective, and to make important decisions that require professional analysis.

Q.	What services do you offer?
Comprehensive financial planning and investment advisory services. Whether you are seeking answers to a few key issues, need a second opinion or ongoing assistance, our flexible approach allows you to choose the level of service that's right for you. We are the ideal choice for those who want truly objective advice from an experienced fiduciary advisor.

Q.	How many clients do you currently manage?
Some firms pride themselves more on their size than on their intimacy. We emphasize client-focused relationships, not transaction-focused work. And that translates into more experience, focused on your special, individualized needs. We believe that the very best relationships create the very best solutions.

Q.	Will you be the only person working with me?
We believe that the very best relationships create the very best solutions.

Q.	How are you compensated? How will I pay for your services?
Our compensation is based on the anticipated needs of the client. We are paid in three ways: 1) hourly; 2) a fixed project fee; or 3) on retainer. We provide full disclosure of fees and charges for the services we provide. Consequently, our clients are fully informed prior to making any decisions. We do not accept commissions, referral fees, or any other type of third-party compensation.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
All investment decisions are up to you. But combining our knowledge and experience with asset allocation can help you focus on the investment choices that are most likely to bring your financial goals closer to reality.

Q.	Do you offer any guaranteed results?
We promise you that throughout all the time we work together, that you will never find another financial planning firm who'll care more about you and your family, or who'll be more deeply committed to the realization of your financial goals, than us.

Q.	How much risk should I be willing to take?
We seek to create allocation strategies that balance the appropriate level of risk with your financial needs.

Q.	Have you ever been charged with any breaches?
Never...

Q.	What services do you provide? What are your specialties?
Comprehensive financial planning and investment advisory services. Whether you are seeking answers to a few key issues, need a second opinion or ongoing assistance, our flexible approach allows you to choose the level of service that's right for you. We are the ideal choice for those who want truly objective advice from an experienced fiduciary advisor.

Q.	What is your experience? How many clients do you currently manage?
Graduate of the College for Financial Planning; Certified Financial Planner™ (CFP®); nearly two decades of financial planning experience; Certified Retirement Counselor (CRC); Chartered Federal Employee Benefits Consultant (ChFEBC); Accredited Tax Preparer (ATP); Awarded the highest, Five Star rating and admitted to the Paladin Registry; complete over 100 hours of continuing education each year

Q.

What financial institution(s) do you represent?

We are an independent, Registered Investment Advisor (RIA). We’re not associated with any entity that adversely affects our objectivity. This allows us the ability to seek the best solutions for you and eliminates the pressure to push certain products. We act in a fiduciary manner that eliminates conflicts of interest and apply the highest professional standard available to the client relationship

Q.	How do you charge for your services?
Our compensation is based on the anticipated needs of the client. We are paid in three ways: 1) hourly; 2) a fixed project fee; or 3) on retainer. We provide full disclosure of fees and charges for the services we provide. Consequently, our clients are fully informed prior to making any decisions. We do not accept commissions, referral fees, or any other type of third-party compensation.

Q.	Do you provide a free initial consultation?
Yes. We offer an introductory consultation whereby we familiarize the client with our firm and services. We will discuss your goals, objectives, and concerns to determine what opportunities for our assistance exist. If you feel we’re a good fit for your needs, we will present you with a written proposal and an estimate of our fee.

Q.	Why should I choose you as my financial advisor?
There are a number of factors that make us unique but three are quickly evident: We are independent, truly objective, and highly qualified. We seek the best solutions for our clients and always act in a fiduciary manner. Our services are provided by a Certified Financial Planner™ professional with specialized education and nearly two decades of experience.

Q.	What are your qualifications?
Graduate of the College for Financial Planning; Certified Financial Planner™ (CFP®); nearly two decades of financial planning experience; Certified Retirement Counselor (CRC); Chartered Federal Employee Benefits Consultant (ChFEBC); Accredited Tax Preparer (ATP); Awarded the highest, Five Star rating and admitted to the Paladin Registry; complete over 100 hours of continuing education each year

Q.	What is your approach to 401 K plan rollovers?
Our approach begins with a series of consultations with a Certified Financial Planner™ professional. Initial consultations focus on data gathering and visioning; who you are, what you have, and where you want to go. We gather extensive information about your situation, needs, and objectives. Subsequent consultations focus on analysis, recommendations and considerations for implementation.

Q.	How long does the process of rolling over a 401K plan usually take?
It depends on a variety of factors. The physical transfer of assets from trustee to trustee typically takes two to three weeks.

Q.

What financial institutions do you represent?

We are an independent, Registered Investment Advisor (RIA). We’re not associated with any entity that adversely affects our objectivity. This allows us the ability to seek the best solutions for you and eliminates the pressure to push certain products. We act in a fiduciary manner that eliminates conflicts of interest and apply the highest professional standard available to the client relationship

Q.	How many years of experience do you have?
Nearly two decades.

Q.	What are your fees for this service?
Our compensation is based on the anticipated needs of the client. We are paid in three ways: 1) hourly; 2) a fixed project fee; or 3) on retainer. We provide full disclosure of fees and charges for the services we provide. Consequently, our clients are fully informed prior to making any decisions. We do not accept commissions, referral fees, or any other type of third-party compensation.

Q.	How many 401K rollover clients do you currently manage?
Some firms pride themselves more on their size than on their intimacy. We emphasize client-focused relationships, not transaction-focused work. And that translates into more experience, focused on your special, individualized needs. We believe that the very best relationships create the very best solutions.

Q.	Why should I roll over my 401K plan to your firm?
There are a number of factors that make us unique but three are quickly evident: We are independent, truly objective, and highly qualified. We seek the best solutions for our clients and always act in a fiduciary manner. Our services are provided by a Certified Financial Planner™ professional with specialized education and nearly two decades of experience.

Q.	Do you provide a free initial consultation?
Yes. We offer an introductory consultation whereby we familiarize the client with our firm and services. We will discuss your goals, objectives, and concerns to determine what opportunities for our assistance exist. If you feel we’re a good fit for your needs, we will present you with a written proposal and an estimate of our fee.