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RESOURCES

FREQUENTLY ASKED QUESTIONS

Yes. As a Registered Investment Advisor, I am held to the highest ethical standard in the financial services industry. As a fiduciary, I am required to always put the client’s interests ahead of my own.

Absolutely. I use an advanced tech stack to perform financial planning and enable digital communications. I serve clients nationwide as a virtual-first advisor.

No. I charge transparent, flat fees that are never tied to your assets or income.

No. I provide ongoing expert investment advice, but do not take control of your assets. This is a key differentiator, since most other advisors require you turn over control of the assets they manage. By focusing on investment advice, I can deliver maximum value to you by keeping prices lower than other advisors who charge for asset management–a fee that typically starts at 1% of Assets Under Management (AUM) per year or higher. This is essentially a hole in your investment bucket, and this leak increases with the size of your portfolio. Also, because I focus on advice, you’re able to maintain ultimate control over your assets. You don’t have to move your assets to my custodian, give me power of attorney or custody of your assets, or provide me with sensitive information like your social security number. If you’ve never traded your own securities , I can provide step-by-step training.

I typically meet with clients virtually via web-conferencing. However, for clients in the Denver Metro Area, I can meet in person at convenient local office locations if desired. I have accessible locations in Denver, the DTC, Highlands Ranch, Ken Caryl, Littleton/Centennial, Lone Tree, and Parker.

Yes. Reflective Financial, LLC is a fully independent Registered Investment Advisor. This is important because it gives me the autonomy and agility to create innovative solutions and fee structures that maximize value for clients.

“Fee-Only” refers to the way an advisor is compensated. As a Fee-Only financial advisor I am only compensated by the transparent, flat fees that you pay. I never sell investment or insurance products, make a commission, or earn money from referral fees. In sum, I only work for you and put your needs first.

DIY RESOURCES

I present the resources below, not as personal advice or wholesale endorsements, but as sources that can support well-rounded thought on investing, business, and life in general. I am not affiliated with any of the entities listed below, nor do I receive any compensation from them. My full website disclosure is available here.

  • Invest Like the Best host Patrick O’Shaughnessy interviews the best minds in business and investing. If you’re curious and love business and strategy, you’ll love Patrick’s interviews.
  • Rational Reminder hosts Benjamin Felix and Cameron Passmore are Canadian portfolio managers who interview some of the best academics in finance and investing.
  • Bogleheads on Investing is hosted by Rick Ferri, who interviews leading thinkers in personal finance and investing.
  • Estate Planning Strategies offers short, punchy episodes on a wide-range of estate planning topics delivered by Christopher Small, an estate attorney in Washington State. (Note: Estate planning issues are often state-dependent, so listen accordingly.)
  • Peter Attia’s The Drive isn’t about finance; but what good is a great retirement plan without your health? Peter delivers long form interviews with the best minds in the health field with a focus on holistic health and aging.
  • The White Coat Investor is aimed at high-earning doctors, but any high-earning DIY investor can find helpful information here.
  • Nerd’s Eye View is targeted toward financial planners, but personal financial planning nerds of all stripes can find useful content. I’ve been reading Michael Kitces’s blog for years and his content was one of the main drivers in my career change to financial planning.
  • Calculated Risk author Bill McBride provides a steady stream of US economic data, sometimes with his own commentary.
  • Early Retirement Now’s Karsten Jeske produces the smartest content I’ve found in the FIRE community. His work on Safe Withdrawal Rates is expansive.