I am a Certified Financial Planner™ (CFP®) professional
As a CFP® professional I am required to provide financial planning services as a “fiduciary”—acting in the best interest of my financial planning clients.¹ I put their interests ahead of my own at all times.
By contrast, most people who call themselves financial advisors, planners, stock brokers, etc. are bound by the Financial Industry Regulatory Authority’s “suitability” rule—that a recommended transaction or investment strategy involving a security or securities be suitable for the customer.²
A “suitable” recommendation is not required to put the interests of the client ahead of the interests of the person making the recommendation.
Wouldn’t you prefer, and don't you deserve to have your interests come first?
I am an Enrolled Agent
As per the IRS, “Enrolled agent status is the highest credential the IRS awards. Individuals who obtain this elite status must adhere to ethical standards and complete 72 hours of continuing education courses every three years.”³
In short, I am an income-tax expert. I have prepared hundreds of income tax returns and study the tax code on an ongoing basis.
How can this help you?
If you have ever paid income taxes you know that what matters most is not how much money you make, but how much you keep and get to spend on yourself and your loved ones after you pay income taxes.
Moreover, income taxes impact almost every aspect of your financial life, from investments targeted to present and future needs, to estate planning for what happens after you pass away.
Given the vast size and complexity of the U.S. tax code, wouldn't it be best for you to have an income tax expert managing and optimizing the impact of income taxes on your financial life?
On Point Financial is owned by me⁴
I am self-employed. I don’t work for an employer, where success in financial services is often measured by meeting sales goals or other non-client-centric criteria. I was once told by a financial planning company employer that I needed to be “an asset-gathering machine.” I asked how that would help my clients. He responded that it would help because that is how I would keep my job. That is not putting the needs of the client first.
Running my own business, my success is measured by how well I do for my clients.
On Point Financial is built on principles that I value, including integrity, open communication and mutual trust and respect.
- www.cfp.net
- www.finra.org
- www.irs.gov
Securities offered through Avantax Investment ServicesSM, Member FINRA, SIPC. Investment advisory services offered through Avantax Advisory ServicesSM. Insurance services offered through an Avantax affiliated insurance agency.