Active vs. Passive Investing: Finding the Right Strategy for Your Financial Plan
When it comes to Active vs. Passive Investing, there’s no one-size-fits-all answer. The real question isn’t whether active or passive investing is “better”—it’s which approach fits you: your goals, your timeline, your preferences, and your broader financial plan. As a financial advisor, I help clients cut through the noise and build strategies that serve their […]
Why Experience Is the Product in Advice Only™ Financial Planning
In the financial services industry, advice and advisor experience often mix with the way an advisor gets paid, creating conflicts of interest. While firms may disclose these conflicts, the prevailing assumption is that every model has conflicts. That mindset leaves clients uncertain and second-guessing the guidance they receive. The Advice Only™ Experience: A Different Approach […]
Advice-Only vs Fee-Only vs Flat-Fee vs Fee-For-Service
When seeking financial advice, you’ll encounter a confusing mix of terms—all promising “unbiased” help. Advice-Only vs Fee-Only vs Flat-Fee vs Fee-For-Service all sound like they should be conflict-free. But what’s the real difference? Here’s the uncomfortable truth: industry definitions leave room for hidden conflicts that shape your plan before you realize it. Even when no […]
Advice-Only Financial Planning Services | Advice Only™
At Advice Only™, we offer over 40 financial planning services designed to meet your unique needs. Whether you’re planning for retirement, managing your wealth, or navigating complex tax and estate issues, our advisors provide objective, transparent guidance without any new financial sales or solicitor referrals. Our process is designed to ensure an objective environment and […]
Clarifying the Formalization of the Advice Only™ Financial Planning Methodology
In response to recent discussions regarding developing and formalizing the advice-only financial planning model, we aim to clarify the contributions made by various pioneers in this field, including Quincy Hall, Sheryl Garrett, Allan Roth, and Harry Sit. Early Advocates of ‘Advice Only’ and Hourly Models In the United States, the concept of advice-only financial planning, […]
Why the Transparent Advisor Movement Isn’t So Transparent
The financial advice landscape is evolving, with new movements and philosophies emerging to address perceived shortcomings in traditional models. One such movement, the Transparent Advisor Movement (TAM), has gained traction by advocating for ‘advice-only’ models and emphasizing ‘transparency.’ However, it’s crucial to acknowledge that the concept of ‘advice-only’ has been formalized previously. Notably through the […]
What To Know About Bonds (2025)
Fulfill retirement planning competence with 2024 Retirement Planning Basics, an exciting and comprehensive course from Advice Only®, and available from the Google Play and Apple stores.
Financial Planning Topics for Retiring Californians (2025)
California, the “Golden State,” is among the best places in the world to live. For California’s economic, governmental, and public system to function, its citizens and businesses need financial support.
Retirement Planning Basics (2025)
Fulfill retirement planning competence with 2024 Retirement Planning Basics, an exciting and comprehensive course from Advice Only®, and available from the Google Play and Apple stores.
Rethinking Retirement Planning Moves (2025)
Change in financial planning should generally be taken in stride. Frequent shifting makes investment management and other financial planning reports difficult to analyze. That said, cycles end and new cycles begin. It’s during these times retirees might consider a potential reset. Updates to Rates of Return. Rates of return are tied to a dollar’s expected […]