(Humans, Not Bots)
Everyone should have the opportunity to build wealth. That’s why we have no investment minimums to get started.
This is a relationship, not a transaction.
We don’t chase after the “hottest” thing in the market to make a quick buck. Sometimes, our investment decisions are contrary to what the vast majority thinks and that is what sets us apart.
Life is hard enough. Managing your money shouldn’t be.
We do all the heavy lifting of investing: create your investment plan, process trades, harvest gains and losses, keep up with tax changes, and report to you how well your portfolio is performing.
And that’s just the short list.
We set up 401(k), SEP IRAs, SIMPLE IRAs, Pension Plans, and other retirement plans to help you reduce your tax liability while simultaneously create a comfortable nest egg for when you want to retire.
Let us help you decide which plan is best and implement it for you, your business, and your team.
If you’re just looking to consult with a financial advisor on an as needed basis, then you can work with us hourly.
Yes, we are fiduciary financial advisors.
It is upheld in our fee-only advisory business model.
And because we are CFP® professionals, we are held to a fiduciary standard of care in which we are required to act in the best interest of clients.
Financial planning is the process of defining your goals and establishing a time horizon to achieve those goals. Then, a course of action is designed to meet those goals.
This may include planning for your retirement, how to save for your children’s future, how to save for your first-time home, and other financial goals.
Investment management builds on top of financial planning. It is the process of making investment decisions to grow your money in specific accounts to meet your objectives.
It involves defining an expected rate of return to meet your financial goals, selecting specific investments, and managing the portfolio as the economy and market conditions change.
So we can sit at the same side of the table as you.
With our fee-only planning model, we avoid conflicts of interests because we are not paid based on products we sell. We are paid solely for the advice and the breadth of financial planning and investment management we deliver.
We do not sell products to make a commission.
We also do not accept referral fees.
It’s a priority that our planning and investment management fees are straightforward, transparent and easy for you to understand. When it comes to money, we are not shy talking about it. You will get the disclosure.
As a fee only advisor, we charge a flat hourly rate for our financial planning consulting services and a flat percentage for assets we manage.
You may see financial advisors refer to themselves as “fee based.” Fee based advisors are paid a mix of commissions and charge a flat rate for services that may include a percentage of assets they manage, an hourly rate, or a monthly retainer.
If you are looking for a non-commissioned advisor, then you are looking for a fee-only financial advisor (that’s us!), not fee-based.
The lingo can be confusing since they sound similar, but the distinguishment is whether one gets paid a commission.
The primary difference is that we do not file taxes nor do accounting for clients.
We coordinate and collaborate with our clients’ CPAs, bookkeepers, and attorneys to inform them of your overall financial plan and investment transactions throughout the year. Your tax advisor then takes the information we provide to file your taxes and report to the IRS accordingly.
We do tax planning to the extent of making recommendations that can help lower your tax liability such as implementing a retirement plan and tax-loss harvesting in relation to your investments.
Most people think all financial planners are “certified,” but this is certainly not true. While others may call themselves financial planners, only those who have met the rigorous requirements and standards established by the Certified Financial Planner Board of Standards, Inc. are rewarded the CFP® distinction. Those who have acquired the designation are held to a much higher standard of professionalism, competency, and ethics than a typical financial advisor.
To obtain the distinguished CFP® mark and become a CERTIFIED FINANCIAL PLANNER™ professional, an applicant must:
Hold a bachelor’s degree from an accredited college or university
Complete a CFP® Board-registered education program
Pass the 10-hour CFP® certification exam
Have at least three years of qualifying full-time work experience in financial planning
Pass a professional fitness standards and background check
Once appointed, a CFP® professional must meet continuing education requirements every other year in order to maintain the certification.
Read more about the CFP® designation by visiting http://www.cfp.net
Links are being provided for information purposes only. Capital Benchmark Partners, LLC (CBP) is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. CBP is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members.
We manage our clients’ accounts and investments at Charles Schwab.
Yes, we work with clients throughout the United States.
We also work with clients who are green card holders residing outside the United States.
In short, as long as you have a US social security number, we can work with you.
We offer two distinct service models based on whether you prefer to manage your investments yourself or have our team handle everything for you:
For a full breakdown of our business profile and fee structures, please view our Firm Brochure (Form ADV Part 2).
*Testimonials were given by clients of Capital Benchmark Partners, LLC. Testimonials are representative of the client’s views at the time collected, may not be representative of the experiences of other clients and do not provide a guarantee of future performance success or a similar experience or services. No compensation was provided for these testimonials.
