Schedule Introduction

Planning for Perspective

We Empower You to Take Control of Your Financial Life

How to Pay for College: Free College Money Report™

Welcome

At TriPrescient, we are committed to help you, our client, find balance in your financial life and achieve your goals and dreams. We partner with you in a collaborative process to understand your ambitions and help align your finances to meet those goals.

Our strategic formula starts with our structured planning process and personal approach, taking into consideration all aspects of your financial situation. We complement our planning process with technology and software to make the process fun, efficient, and affordable. No matter what your goals may be, our financial planning process allows us to develop a plan for your unique needs, where you decide what is most important to you.

Planning for the future is a rewarding process. Take a look around to see what sets us apart from other financial firms, then grab some time on our calendar. Let us show you how we can make your dreams part of your future.

Welcome to Your Financial Future. Welcome to TriPrescient.

Our Mission: "To provide an empowering and engaging planning experience, delivering insight and bringing financial balance to our clients."

TriPrescient IDEA

The TriPrescient IDEA is our financial planning process, made up of three high level steps, to achieve your financial future. The TriPrescient name represents the steps in our financial planning process and the benefit from seeing it through. “Tri” is the prefix meaning three, and “Prescient” is having or showing awareness of and preparation for the future.

1) Identify – Identify your goals
2) Design – Design a personalized plan to meet those goals
3) Execute – Execute and monitor the plan
➢ Achieve Your Financial Future

What We Do

The TriPrescient Advantage

Process Driven Planning

The TriPrescient IDEA (Identify. Design. Execute. ➢ Achieve Your Financial Future) is our goal-based financial planning process. IDEA, combined with our personal approach and integral technology, is our formula for creating an engaging and rewarding planning experience for our clients.

Collaborative

Our financial planning process allows you, the client, to determine your personal and financial goals. We partner with you in the planning experience. We collaborate with you to create a personalized financial plan for your unique situation and administer your plan implementation.

Affordable Quality Plans

Our proprietary financial plans are easily readable and provide actionable next-step guidance. Our plans offer significant value above, and often for a lower cost, than investment management alone. Our fee-only pricing structure and fiduciary responsibility ensures our clients receive advice only in their best interests.

Integrated Portfolio Management

Our clients benefit from custom investment portfolios integrated with their financial plan and tailored to client risk tolerances, goals, values, and investment time frames. TriPrescient utilizes investments from Dimensional and BlackRock, with sustainability focused investment options available.

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About Us

Financial Planning Philosophy

At TriPrescient we believe financial planning is important because it provides perspective and balance - allowing you to plan for the future, provide security for your family, and live for today with less worry about what’s to come. Our job is not to tell you how to spend or save your money, but rather to give insight so you can make informed decisions about the goals most important to you. This insight allows you to see the trade-off between spending today and saving for the future. Our financial planning process helps provide perspective so you can achieve a balance for each and keeps you on track to achieve your goals.

Investment Philosophy

At TriPrescient we believe in a disciplined, long term, cost effective approach to investing. We believe diversification is one of the most effective ways to manage risk. We believe in a logical approach to investing that removes emotion and guesswork from the investing process that is typical of stock picking and active management of funds.

TriPrescient has established relationships with Dimensional and BlackRock, allowing our clients to access their unique and effective investment solutions. TriPrescient, Dimensional, and BlackRock share a similar investment philosophy and the primary principles for investing success. These principles begin with creating a sound financial plan, followed by implementing an investment strategy through a diversified, disciplined approach, taking into consideration cost, value, and taxes.

Our Clients

Financial planning can benefit everyone, and at TriPrescient we are open to helping anyone wishing to engage our services. Our clients are typically in their 20's to 50's and range from single professionals, to couples at various stages in their careers and family life, to entrepreneurs and small business owners. Have a look below at a couple of our typical client situations. If the descriptions resonate with you, grab some time on our calendar so we can learn more about you and share how TriPrescient can help you Achieve Your Financial Future!

James & Elizabeth – The Busy Couple

James (40) and Elizabeth (38) have been married for several years. Together they have two children, Leah (8) and Thomas (10). James is a small business owner. He is the only employee and provides IT consulting services to companies. Elizabeth is a registered nurse at a nearby hospital. Together they have a solid upper-middle class income.

Their mortgage is $3,200/month and they have a home equity loan of $25,000 that they are paying off for home renovations last year. Their children are active and stay busy with piano lessons, playing soccer, and swimming. Elizabeth is fortunate to have health care benefits for the family through her employer, but family coverage is still expensive. Both James and Elizabeth contribute to retirement plans, but they don’t know if they contribute enough or have selected the right investments. They are also worried that their children will be saddled with student loan debt if they don’t set aside funds for education.

They drive practical cars, one of which is still being paid off. They don’t try to keep up with the neighbors who are always taking nice trips, but they are not sure how everyone else affords those non-essentials when it feels like they are just able to keep up with current expenses. They want to enjoy today without constantly worrying about their financial future. However, between work, extra-curricular activities, and family time, creating a financial plan to save for the future has always been a priority for tomorrow. After a recent conversation, James and Elizabeth decide they are ready to talk with a financial planner to get a new perspective, gain clarity, and organize their financial life.

Charlotte – Held Back by debt

Charlotte (28) is single with no children and has a good career in the marketing industry as a graphic designer. Charlotte has been out of college for several years. She has worked for her current employer for the past three years and has a solid income for her age and profession.

Charlotte currently rents an apartment. She also has $20,000 in credit card debt and $35,000 in student loans that she is still carrying from her college years and trying to pay off, and as a result has just an average credit score. Between these larger expenses and the typical monthly bills, she is frustrated that she never seems to have any money left over at the end of the month to save for the future. She does not like the feeling of living paycheck to paycheck.

She does not have much in the way of investments other than a small balance in her employer 401(k) plan. Charlotte feels fortunate to have health and other benefits through her employer, but she isn’t sure if she has made the right choices when it comes to her health care coverage, 401(k) investments, and other benefit options.

Charlotte would like to start setting aside money for a house down payment, but that possibility seems far off from where she is now. She feels that she could really benefit from some professional financial advice, but she is not sure if any financial professionals work with clients who have limited investment assets. After another month of frustration, Charlotte decides to do some research to find and talk with a financial planner who works with clients like her.

Our Company

Chris Ladd, CFP®, CCFC

Founder & CEO

Chris Ladd is a CERTIFIED FINANCIAL PLANNER™ professional, a Certified College Financial Consultant, holds an MBA in Financial Planning from California Lutheran University, and is founder of TriPrescient Financial Services. His expertise includes early and late stage education planning, investment management, retirement planning, risk management, budgeting and cash flow management, and tax planning, with an overall focus on financial well-being.

Chris provides comprehensive financial planning solutions for his clients, collaborating with them through a structured planning process to establish personal financial goals and actionable steps to achieve them. He works with families who want to set their children up for success by enabling them to pay for college without overburdening their children with student loan debt. Chris helps his clients achieve financial balance, providing insight to meet short term financial priorities while planning for longer term goals such as retirement. He prioritizes the personal relationships with his clients and provides honest advice, always in the client’s best interest.

Chris empowers his clients to put their personal goals in perspective, providing insight to make informed decisions, balance their priorities, and achieve their financial future. In the home office, he's often accompanied by his office dog, Charlie. When he’s not serving his clients, Chris can be found spending time with his family, enjoying the outdoors, trying new restaurants, and exploring the world.

Concerned about paying for college? Get cost and financial aid estimates for 3 colleges with the Free College Money Report™

What We Do

Working with TriPrescient

Start the Conversation

From the initial conversation you will notice what sets us apart at TriPrescient – we listen. We don’t engage in hard selling practices. In fact, the only thing we sell are our services, and we cannot do that effectively without listening to understand your goals and concerns.

At TriPrescient we truly introduce you to our financial planning process before requiring any commitment from you. Initial conversations and a 90 minute online Intro & Discovery meeting to introduce you to our planning process and the software we use are free. After the meeting you have access to continue to work with the software and explore it on your own at your own pace. We do this because we're confident that once you see the value in the financial planning process and set your financial goals, you will want to see them through.

We truly enjoy helping clients and believe the financial planning process can benefit everyone – not to mention it can be a lot of fun along the way! If you have questions or want to know more about our financial planning process or services, please contact us via email, phone, or schedule some time on our calendar and set up a time to chat.

Technology and communication

At TriPrescient we know your time is valuable, and our service model takes that into consideration. We have implemented a number of technologies to make our communications more efficient while still providing you with the personal service you expect.

While we enjoy meeting with you in person whenever possible, much of our interaction will be through online meetings. This allows us to be more efficient with your time and easily share information as we progress through the planning process. As a client you will have online access to the client portal with the ability to view and work on your plan, update your personal information, view reports, and communicate with your financial planner.

The TriPrescient Financial Planning process

The TriPrescient IDEA is our financial planning process, made up of three high level steps, to achieve your financial future.

1) Identify – Identify your goals
2) Design – Design a personalized plan to meet those goals
3) Execute – Execute and monitor the plan
➢ Achieve your financial future

At TriPrescient our financial planning process is very collaborative and interactive. As the planner, we provide you with the best unbiased advice for your situation, and recommendations are made after taking into consideration your entire financial picture. As the client, of course you make the final decisions regarding your financial plan and prioritize funding for the goals most important to you.

A financial plan is constantly evolving. Life events happen that affect us personally and financially. When these events occur, together we update your financial plan to reflect these new realities and adjust the path taken to reach your goals.

Comprehensive Planning

At TriPrescient our comprehensive financial plans take into consideration all aspects of your financial situation. As you can see in the diagram, we review and plan for many areas applicable to your personal circumstances and, with your input, outline actionable steps for implementing your financial plan.

Comprehensive Financial Planning graphic Everyone’s personal goals and financial situations are different, and some plans take more time than others to develop, implement, and maintain. During our discovery process we will evaluate your financial situation and goals and clearly outline our fee before proceeding.

Some of the considerations taken into account when determining the comprehensive planning complexity level include:

Planning for one or two people (married/single)
Children (higher education planning)
Investments / Types of investments
Single or multiple incomes
Extended family considerations
Business ownership
Special planning requirements
Overall plan complexity

Below are examples to use as a general guideline for what complexity level your specific circumstances might fall into. A final determination will be made on a case by case basis and clearly communicated after the initial discovery process before any payment is required.

Complexity Level	Example circumstances for complexity level
Level 1	Single, one income, no children, investments in company 401k, additional investments
Level 2	Married, children, two incomes, investments in company 401k, IRAs, additional investments
Level 3	Married, children, one or two incomes, business owner, multiple types of investments, extended family considerations

Plan Implementation

Once we have developed your comprehensive financial plan, we continue our collaboration and work with you to implement the plan. An action plan for implementation is included as part of your financial plan. Some steps of the plan are completed by you, some by the planner, and some jointly. We help coordinate tasks and provide guidance along the way.

Often implementation of your financial plan will include working with other financial professionals such as accountants, attorneys, or insurance brokers. The extent to which we engage outside resources depends entirely on the needs of your personal financial plan. Any fees for these resources are paid by the client separately and directly to the third party.

After the key provisions of your plan have been implemented we continue to maintain your plan and monitor the progress towards your goals. Financial planning is an ongoing process. Life changes often necessitate changes in goals and, as a result, your financial plan. When these events occur we review your financial plan and adjust it accordingly. We also review your plan with you semi-annually to ensure things are on track and make any necessary updates.

The purpose of a financial plan is to allow you to set your goals and establish a path to reach those goals without worrying everyday about the ups and downs of the market. However, many clients like the ability to see what certain adjustments to their plan might mean to their overall probability of success and to keep a pulse on their finances. Once the recommended plan has been developed, we provide our clients with an online dashboard where they can continue to explore options and see the details of their plan.

Portfolio Management

TriPrescient manages custom investment portfolios that integrate with each client's financial plan for clients engaged in our Investment Management Service. Investment portfolios are tailored to client risk tolerances, goals, and investment time frames. TriPrescient utilizes investments from Dimensional and BlackRock when constructing investment portfolios.

Dimensional applies academic research to identify drivers, or dimensions, of investment returns and applies a scientific, transparent, and process-driven investment approach to pursue higher expected returns in real-world portfolios. This one-page reference, Dimensional at a Glance, highlights firm stats and features key points on Dimensional Investing, including market philosophy, investment approach, and track record.

BlackRock is a global investment manager who provides a range of solutions to help investors achieve their financial goals. BlackRock's iShares exchange-traded funds (ETFs) offer diversified and low-cost ways to invest in the markets.

Sustainable investment strategies based on environmental, social and corporate governance (ESG) criteria are available with both Dimensional and BlackRock. TriPrescient, Dimensional, and BlackRock share a similar investment philosophy – the belief in a disciplined long term approach to investing, diversification, academic research, and market efficiency. Assets are held with our primary custodian, TD Ameritrade Institutional.

Why TriPrescient?

Trusted relationships

At TriPrescient we value each of our client relationships and act in a fiduciary capacity, solely in the best interests of our clients at all times. When working with TriPrescient, clients should expect an exceptional level of personal service and enjoy the financial planning process. TriPrescient’s financial planning process is a collaborative one, and we work with our clients at every step to achieve their personal and financial goals.

Value

TriPrescient’s Comprehensive Planning Service and the development, implementation, and maintenance of a comprehensive financial plan provides significantly more value than paying a portfolio manager simply to manage investments. As part of our service, clients have access to portfolio management integrated with their comprehensive financial plan at an affordable cost.

Pricing structure

Clients should expect a clear understanding of our financial planning pricing prior to entering into any agreement, and typically appreciate our straight-forward, affordable, fee-only pricing structure. Our fee-only pricing structure aligns our goals with the goals of our clients and reduces potential conflicts of interest.

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Services & Pricing

Comprehensive Planning Service

TriPrescient's Comprehensive Planning Service is comprised of two services - our Financial Planning Service and our Investment Management Service.

TriPrescient's Financial Planning Service focuses on the holistic view of a client's financial situation. This service includes development of a comprehensive financial plan, plan implementation support, and as-needed financial advice for clients charged as a subscription service.

The Investment Management Service is an optional add-on service to the Financial Planning Service for clients with investable assets. The Investment Management Service is integrated with the client’s financial plan and is charged as a tiered percentage of assets under management.

Financial Planning Service

Investment Management ServicE

Initial creation of comprehensive financial plan
Implementation of comprehensive financial plan
Semiannual reviews and adjustments of financial plan
Creation of updated plan every three years or as life events warrant
Online access to financial plan, client dashboard, and client portal
Access to financial planner via phone, email, or online meeting for any financial related questions
Collaboration as needed with client's other financial professionals

Development of an Investment Policy Statement
Portfolio management integrated with comprehensive financial plan
Investment advice on managed and held-away assets
Annual rebalancing of held-away assets
Ongoing management and rebalancing of managed assets (AUM)
Financial planner ensuring focus on long-term goals
Consolidated online access to both managed and held-away investments

Comprehensive Planning Service Pricing

The Comprehensive Planning Service pricing is based on one of three levels of complexity of the client's financial situation at the time of engagement. The price has up to three components – the initial plan creation, the fixed monthly financial planning subscription, and the investment management service charged as a tiered percentage of assets under management (AUM).

The price of the initial plan creation is discounted 20% when enrolling in the Financial Planning Service. Fifty percent (50%) of the initial plan creation cost is due upon signing the Financial Planning Agreement, with the balance due upon plan delivery to the client.

The price of the Financial Planning Service subscription is fixed and charged monthly in advance beginning after plan creation and delivery, and the price is guaranteed not to increase for three years. Prices are adjusted every three years based on any changes in the client’s financial situation and the pricing schedule in place at that time. The Financial Planning Service price is discounted with enrollment in the Investment Management Service and a minimum level of AUM as follows:

Financial Planning Service price discounted 50% with a minimum of $250,000 AUM
Financial Planning Service price discounted 100% with a minimum of $500,000 AUM

TriPrescient’s Comprehensive Planning Service pricing schedule is outlined below.

	Complexity Level
*Service*	*Level 1*	*Level 2*	*Level 3*
Initial Plan Creation – Plan Only (one-time cost)	$4,200.00	$5,000.00	$5,600.00
Initial Plan Creation – with subscription service¹ (one-time cost)	$3,360.00	$4,000.00	$4,480.00
Financial Planning Service² (monthly subscription service cost)	$150.00	$200.00	$250.00

¹Initial Plan creation discounted 20% with enrollment in the Financial Planning Service for a minimum of six months.
² Financial Planning Service with enrollment in the Investment Management Service discounted 50% with minimum AUM of $250,000 and discounted 100% with minimum AUM of $500,000.

Pricing for the Investment Management Service is charged as a tiered percentage of Assets Under Management (AUM). Pricing is based upon the following schedule (expressed as an annual percentage of net assets). Charges are prorated across the entire year and are charged at the end of each calendar quarter. Client charges are prorated for only the days their money is managed by TriPrescient.

Range Start	Range End	Percentage
$0	$500,000	1.20%
$500,000	$2,000,000	0.95%
$2,000,000	$5,000,000	0.80%
$5,000,000	& Above	0.65%

College Planning Service

TriPrescient's College Planning Service is comprised of our College Money Report™, College Affordability Assessment with an ongoing service option, and our College Savings Planning Implementation service as an optional savings plan implementation option.

TriPrescient's College Money Report™ is a free one-time report to estimate aid and student loans for one student for up to three schools. The service includes a planner meeting to review the report results and introduce the CollegeAidPro portal.

TriPrescient's College Affordability Assessment includes a one-time cost assessment meeting to review the family’s financial information and the student’s academic records to estimate financial aid eligibility, student loans, and net costs for up to ten schools. The service includes one month of CollegeAidPro portal access with the ability to refine information and download detailed reports.

TriPrescient's College Affordability Assessment & Planning is an on-going version of the College Affordability Assessment. The service includes regular planner meetings, continued access to the CollegeAidPro portal for tracking applications and awards, college affordability reports for additional children, and the creation of a College Savings Plan.

TriPrescient's College Savings Planning Implementation service is an add-on feature to the College Affordability Assessment & Planning service. The service includes implementation assistance with the College Savings Plan. The service will include helping the client implement specific savings recommendations, assisting with the necessary implementation steps, and providing ongoing review and support of the plan.

What is included?	college money report	COLLEGE AFFORDABILITY ASSESSMENT	College Affordability Assessment & Planning	College Savings Planning Implementation
College Money Report to estimate costs and financial need for up to three schools
Planner meeting to review report results and demonstrate CollegeAidPro portal
College Affordability reports to estimate costs and student loan projections for up to 10 schools		1 student	multiple students
Planner meeting to estimate financial aid and introduce CollegeAidPro functionality		1 month	on-going
CollegeAidPro portal access with ability to refine information and download reports		1 month	on-going
Estimate of your Expected Family Contribution (EFC)
Need-based grants estimate for each college
Merit-based scholarships estimate for each college
1st year out-of-pocket cost estimate for each college
4-year total out-of-pocket cost estimate for each college
Student Loan Projections
College Pre-Approval™ Budget
College Funding Gap Analysis
Applications and award tracking
Regular planner meetings to review updated information and provide guidance
College Savings Plan creation with goals and savings targets
College Savings Plan implementation assistance
College Savings Strategies advice
529 Plan advice
Ongoing review of recommendations and client/student situation

College Planning Service Pricing

TriPrescient’s College Planning Service pricing schedule is outlined below. The college planning service pricing for subscription services is discounted when enrolled in the Financial Planning Service. One-time costs are due upon signing the Financial Planning Agreement, and monthly costs are due at the beginning of each month.

*Service*	*Pricing*
College Money Report™	Free
College Affordability Assessment (one-time cost)	$500 one-time
College Affordability Assessment & Planning¹ (one-time cost + monthly subscription service cost)	$500 one-time + $50/month after 1st month
College Savings Planning Implementation² (monthly subscription service cost)	$50/month

¹The College Affordability Assessment one-time cost is waived, and the monthly subscription service is discounted 20% when enrolled in the Financial Planning Service subscription.
² The College Savings Planning Implementation service is included when enrolled in the Financial Planning Service subscription.

Fixed Price Projects

On occasion clients engage our services to complete a specific project on a fixed price basis. Fixed Price Projects can include development of a stand-alone comprehensive financial plan, a retirement plan, a higher education savings plan, or some other type of specific financial plan.

The fixed rate for creating a comprehensive financial plan is based on one of three levels of complexity of the client's financial situation at the time of engagement. This price is for the creation of the financial plan only and does not include ongoing services such as portfolio management, plan implementation, or ongoing financial advice.

The client can decide after the comprehensive financial plan is prepared if they would like to enroll in the Comprehensive Planning Service. The amount paid for the plan preparation will be retroactively discounted as per the terms of the Comprehensive Planning Service and the difference will be applied to the Financial Planning Service subscription charges.

	Complexity Level
*Service*	*Level 1*	*Level 2*	*Level 3*
Initial Plan Creation – Plan Only	$4,200.00	$5,000.00	$5,600.00

Pricing for other types of plans or projects are determined on a case by case basis, based on the level of complexity and estimated time commitment. For fixed price projects, costs are determined and communicated to the client upfront prior to beginning any work for the preparation of the plan or other deliverable. The scope and deliverables of any fixed price project will be clearly defined. Fifty percent (50%) of the cost is due upon signing the Financial Planning Agreement, with the balance due upon delivery to the client.

Hourly Priced Projects

Clients looking for financial advice for a specific situation or only a financial plan and not wishing to engage in our other service options can engage our services on an hourly basis. On an hourly basis, time is charged at the rate of $250/hr.

Fiduciary Promise

TriPrescient Financial Services and its financial planners serve in a fiduciary capacity for our clients and will always act in our client’s best interest. All of TriPrescient’s services are made in accordance with the fiduciary duties owed to its accounts and without consideration of TriPrescient’s economic, investment or other financial interests. TriPrescient receives no additional compensation from clients or third parties other than the pricing as outlined on our website and in our ADV.

Strategic Alliances

XY Planning Network

Proud member of XY Planning Network! Advisors displaying this badge have been accepted into XY Planning Network by vowing to adhere to strict fiduciary standards, and carry the CFP® designation. XY Planning Network is the leading financial planning platform for fee-for-service financial advisors who want to serve their Gen X and Gen Y peers by providing comprehensive financial planning services without product sales or asset minimums.

MoneyGuidePro

MoneyGuidePro helps financial planners create an engaging client experience and has been considered the top choice of financial planning software, according to Financial Planning Magazine's annual survey, for ten straight years. MoneyGuidePro is the first collaborative internet-based financial planning software that makes this easy to accomplish. Its unique client-centered approach supports a sophisticated, goal-oriented planning process that is more meaningful to the client and more productive for the advisor. MoneyGuidePro, developed by PIEtech℠, is financial planning software for financial advisors. Since we believe that everyone can benefit from professional advice, we don't try to replace the advisor with software. In fact, it's just the opposite. Our goal is to enhance the advisor's value by enhancing the value of the financial planning process for each client.

CollegeAidPro

The College Aid Pro™ software application is a state of the art college funding tool for financial planners. This all-in-one tool is empowering advisors to deliver college planning strategies to their clients in a seamless way. We’re taking the hassle out of college planning and making it easy for advisors to eliminate the stress and anxiety their clients are feeling around college planning.

Dimensional

Dimensional Fund Advisors is a global investment manager dedicated to implementing the great ideas in finance. Guided by a belief in markets, the firm builds and manages strategies to help investors pursue higher expected returns. An enduring philosophy, strong client commitment, and deep working relationships with the academic community underpin Dimensional’s approach and form the foundation for new strategies. Dimensional is headquartered in Austin, Texas, and has offices across North America, Europe, and Asia.

TD Ameritrade

TD Ameritrade Institutional provides comprehensive brokerage and custody services to more than 4,000 fee-based, independent registered investment advisors (RIAs). Our advanced technology platform, coupled with personal support from our dedicated service teams, allows investment advisors to grow and manage their practices more efficiently and effectively, while optimizing time with clients. We provide a robust offering of products, programs, and services designed to help advisors build their businesses and do the best possible job they can to help their clients with their financial goals. We are also committed to advocating on behalf of advisors and their clients on important issues. We understand the importance of being a fiduciary and strive to support RIAs in their efforts to serve their clients.

Financial Planning Association

The Financial Planning Association® (FPA®) is the principal professional organization for CERTIFIED FINANCIAL PLANNER™ (CFP®) professionals, educators, financial services providers and students who seek advancement in a growing, dynamic profession. FPA supports high standards of professional competence, ethical conduct and clear, complete disclosure when serving clients. FPA’s One Connection™ for professional development, business success, advocacy and community at the national and chapter levels is truly indispensable in the advancement of today’s CFP® professionals.

National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve. Our rich history began in 1983 when a group of advisors simply wanted to serve their clients without muddling the relationship with commissions. Since then we have developed high standards in the field and each advisor must sign and renew a Fiduciary Oath yearly and subscribe to our Code of Ethics. It's all a part of the mission of NAPFA. The association provides support and education for over 3000 practitioners all over the country and is governed by the NAPFA Board of Directors and supported by our four Region Boards.

NAPFA members live by three important values:

To be the beacon for independent, objective financial advice for individuals and families.
To be the champion of financial services delivered in the public interest.
To be the standard bearer for the emerging profession of financial planning.

FeeOnlyNetwork

FeeOnlyNetwork is made up of verified and vetted FEE-ONLY (no commission) financial advisors and CERTIFIED FINANCIAL PLANNER™ professionals. At FeeOnlyNetwork, we embrace this lofty ideal: The only financial advisor who can truly provide unbiased and objective financial advice, financial planning and investment management is an independent financial advisor (Registered Investment Advisor) operating under a strict fee-only compensation model, as defined by the National Association of Personal Financial Advisors (NAPFA).

LLIS is the insurance advisor to RIA firms and financial advisors. With a team of 20+ with 300+ years of experience and subject experts for every insurance solution, LLIS recommends the best solutions for clients based on their individual needs. LLIS has a proven history of working with fee-only financial advisors who trust us to help their clients reach their income security and wealth preservation goals.

Contact Us

Feel free to grab a spot on our calendar, drop us an email, or just give us a call. Our virtual business model allows us to work with clients anywhere in the United States. We are always happy to discuss your financial concerns or answer questions about our financial planning process and services.