Many of the clients we serve ask why we chose to be compensated for our work on an advice-only or hourly basis. The answer is simple. Most professionals are fee-for-service. Accountants, Attorneys, Auto Mechanics, Carpenters, Electricians, House Painters, Physicians, Plumbers, and even Undertakers all charge using the fee-for-service model. We believe it is the fairest, most transparent way to bill for our services.
Most Financial Services firms operate under one of four models:
Each has its inherent conflicts of interest. However, a professional Financial Planner operating under the Fiduciary standard will do their utmost to avoid conflicts of interest. If not avoidable, they must fully disclose any potential conflicts in the advice offered.
We believe that everyone deserves the opportunity to receive Competent, Trustworthy, and Affordable financial advice. Therefore, we are committed to the fee-for-service hourly as-needed model to deliver that advice.
We also realize this may not be a perfect fit for everyone. If you are looking for someone to use technical or fundamental analysis to provide intuition in the stock market, we will not be a good fit. We don’t pick individual stocks, we don’t attempt to time the market, or otherwise, try to add value through prediction-based investment approaches. We don’t sell insurance, annuities, or investment products. We aren’t the right firm for anyone looking for those services. Since we use technology extensively to help clients, we’re also not a good fit for anyone averse to using technology and tools.
Investment advisor representative of and investment advisory services offered through CGN Advisors, LLC, a fee-only SEC registered investment advisor.
Tel: (910) FEE-ONLY. Lodestar Financial Planning may offer investment advisory services in the State of Colorado and in other jurisdictions where exempted.
Investing involves substantial risk and has the potential for partial or complete loss of funds invested. Investments mentioned may not be suitable for all investors. Before investing in any investment product, potential investors should consult their financial or tax advisor, accountant, or attorney with regard to their specific situation.
The www.lodestarfp.com web site offers links to a variety of sites maintained by third parties. If you choose to access these sites, you will be leaving the www.lodestarfp.com web site. These sites are managed by unaffiliated organizations that do not have a business relationship with Lodestar Financial Planning or CGN Advisors, LLC. These links are only offered for use at your own discretion. Lodestar Financial Planning and CGN Advisors, LLC does not provide and are not responsible for, the product, service, or overall website content available on third-party sites. By providing links to these sites Lodestar Financial Planning and CGN Advisors, LLC are not promoting, approving, or endorsing either the content of the sites or any product or service offered by the sites’ sponsors. Our privacy policies do not apply to linked websites. You should consult the privacy disclosures on each third-party site for further information. Third-party web sites may provide different security features than the www.lodestarfp.com web site.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
Most of the great photographs used on this site were taken by professional photographer and neighbor Rowedean Doss, and are gratefully used with her permission.
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