What services do you offer?
We provide comprehensive financial planning services, including:
- Investment management
- Retirement planning
- Tax planning
- Estate planning
- Insurance analysis
We offer a free consultation to discuss your needs and provide a personalized quote.
Are you a fiduciary?
Yes. As a fiduciary, we are legally obligated to act in your best interest, rather than recommending products that generate higher commissions for us.
What is a CFP®?
CFP® stands for Certified Financial Planner™, a professional certification granted by the CFP Board to individuals meeting rigorous standards.
Requirements include:
- Education: Completion of an education program covering areas like retirement, estate, tax, and investment planning
- Examination: Passing the CFP® exam, which tests knowledge in all areas of financial planning/span>
- Experience: At least three years of professional experience in financial planning or a related field
- Ethics: Adherence to the CFP Board’s Code of Ethics and Standards of Conduct, including a fiduciary duty to clients
- Continuing Education: Regular recertification through ongoing education every two years
Why choose a CFP®?
- Expertise: Extensive training in personal finance and wealth management
- Fiduciary Duty: Legal obligation to prioritize your best interests
- Comprehensive Planning: Holistic strategies for retirement, debt, investments, and more
How do you determine my financial goals?
During our initial consultation, we discuss your financial situation, goals, timeframes, and risk tolerance. This allows us to tailor a plan to meet your specific needs.
What is your investment philosophy?
We follow a personalized, diversified investment strategy aligned with your financial goals and risk profile. Our approach emphasizes long-term growth and risk management.
How often will we meet to review my financial plan?
We meet at least once a year to review your financial plan and the average review meetings occur 2-3 times per year. However, new clients may require more frequent meetings to address immediate needs. We are also available for additional meetings whenever necessary, particularly if there are significant changes in your finances.
How much do your services cost?
Our fees are based on the services provided and are typically structured as:
- A percentage of assets under management
- A flat fee
- An hourly rate
Can you help with retirement planning?
Yes. Our retirement planning services help you:
- Save and invest strategically
- Generate income in retirement
- Optimize tax efficiency
We use analysis that incorporates inflation, taxation, and probability statistics to evaluate the likelihood of meeting your retirement goals.
What should I bring to my first meeting?
Please bring relevant financial documents, such as
- Tax returns from the last two years
- Investment account statements
- Retirement plan details
- Insurance policies
Do you offer estate planning services?
While we do not draft legal documents, we can:
- Help you understand the basics of estate planning
- Recommend trusted estate planning professionals for drafting wills, trusts, powers of attorney, health care proxies, and more
Do you work with individuals or businesses?
We work with both individuals and businesses. Whether you’re securing your personal future or managing company finances, we can help.
Can you help with debt management?
Yes. We provide strategies to:
- This final phase can span years or even decades.
- Reduce or manage debt
- Improve your credit score
- Create a plan for financial stability
Do you provide tax planning?
Yes. We collaborate with your tax professional to:
- Optimize your tax strategy
- Ensure you’re taking full advantage of tax-saving opportunities
How do I get started?
Getting started is easy! Schedule a free consultation, and we’ll discuss your financial goals and how we can help you achieve them.
What happens if my financial situation changes?
If your situation changes—whether through a career shift, inheritance, or family milestone, we’ll revisit your financial plan and make necessary adjustments to keep you on track.
Do you take custody of my assets?
No, we do not take custody of your assets.
Does the relationship end after completing the plan?
The relationship depends on the engagement type you choose. If you prefer a stand-alone plan to implement independently, the relationship may end. However, we also offer ongoing services through retainer fees or active asset management.
Will my personal information remain confidential?
Absolutely. Maintaining confidentiality is a cornerstone of our relationship. Your information is never sold or used for any other purpose.
Is there a minimum to work with Private Financial Design?
Yes, minimum account sizes depend on your investment management needs and objectives.
- We do not offer day trading or individual stock, bond, or fund selections.
- Instead, we work with vetted external managers who align with your goals. These managers may have their own minimum requirements.
Advisors may only conduct business with residents of the states or jurisdictions in which they are properly registered, licensed or exempt from registration and not all of the securities, products and services mentioned are available in every state or jurisdiction. Securities offered through Cambridge Investment Research, Inc. A registered broker/dealer. Member FINRA & SIPC Advisory Services through Cambridge Investment Research Advisors, Inc., A Registered Investment Advisor. Private Financial Design, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.
