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financial faq

Your top financial questions answered

1. Can you tell me about the financial planning process?

Financial planning is a multi-step process that provides you with two important related but distinct aspects (1) an in-depth review of your current financial situation, and (2) a blueprint that shows you how to achieve your goals and objectives for the future. It is important to remember that financial planning is a process . . . it is not an event.

2. How do you create this blueprint?
3. Who can benefit most from your services?
4. What is “Fee-Only” financial planning and why should that be important to me?
5. I understand the benefits of working with a Fee-Only financial planner, but I might need to obtain financial products. How will I be able to do that?
6. Does Synergy Financial Planning provide only broad-based financial planning?
7. My spouse and I are just beginning to build for our financial future. We need help and guidance to get started. Will you accept us as clients?
8. I have already accumulated substantial assets and think I am doing quite well. But I want to be sure I am on track. Can you help me?
9. If I work with Synergy Financial Planning to develop a financial plan, am I obligated to purchase the recommended products?
10. How do you price your financial planning services?
11. Are your fees tax deductible?
12. Once my financial plan is completed, will our relationship end?
13. How can I get started?
14. I noticed you don’t have an office. Why not?

To be able to serve a broader range of clients, we strive to keep overhead costs as low as possible. If we paid rent and expenses on an office, those costs would be reflected in our hourly rates, essentially meaning that our clients would be paying for the office. We do not feel this adds value to the client. In contrast, Synergy Financial Planning does invest in practice technology, software and continuing education, which we feel does add value to the client.

We are also confident that our willingness to make house calls, offer evening and weekend hours and having the technology to work with clients remotely offers added value and convenience to a great many of our clients.