1. Isn’t financial planning just for people who have lots of money?
Any individual or family seeking financial advice can benefit from my services. As a member of the Garrett Planning Network, I have taken a pledge to offer my services to all people, regardless of income or assets. I welcome clients who simply want a one-time financial review or who are interested in a second opinion before making a major financial decision. Equally welcome are those who seek ongoing coaching and plan monitoring over a longer period of time.

2.  What is “Fee-Only financial planning” and why should it be important to me?

Only their clients pay Fee-Only financial planners. They never receive any commissions, sales incentives, bonuses or special perks paid by insurance companies or other financial service entities for selling their products. Kelly Financial Planning is a true Fee-Only financial advisory firm. Knowing this, you can approach me with the full knowledge that I will only make recommendations that are in your best interest. You do not have to worry that I will need to “sell you something” in order to be paid for providing you advice.

3.  Do I need to be in your immediate area to use your services?

Thanks to modern technology, it is generally not essential to have in-person meetings. Frequently, work may be accomplished, for distance assignments, through the use of videoconferences, online data collection and other tools. The choice of a distance assignment is determined by a client’s comfort level working with someone who is not in the immediate area. I pledge to provide quality service to my clients regardless of whether meetings are virtual or face-to-face.

4.  Do you offer your services to businesses that would like to provide objective investment advice to their employees?

Any organization (profit or nonprofit) desiring to provide unbiased conflict-free advice and financial education to their employees can benefit from my services. I can also provide financial advice and coaching to rank and file employees and/or senior executives on a retainer basis. Your employees will appreciate the fact that you have engaged an independent, Fee-Only firm, thus eliminating the possibility of sales pressure related to product sales or bundled services. Call me for details at (513) 379-2527.

5.  How do you price your financial planning services?

Planning fees are based on an hourly rate of $200, but we provide you a quote on a project basis so that you know the most that you would be expected to pay. The quote itself is based on the time I spend meeting with you, either in person, on the phone or virtually; researching and analyzing your situation; and formulating recommendations that are specific to your situation. Before you hire me, I will always provide you with a written quote of the full cost of the engagement.