Best Fee Only Financial Planner Orlando FL

A fee-only planner works with you to develop a financial plan and offers investment advice for a set fee, often charged per hour or per project.

With a fee-only advisor or firm, their compensation comes from you – you hire them to provide a service. Contrast this with someone who works for a bank, brokerage firm or insurance company where the company hires the advisor to sell products to you.

A fee-only advisor’s rates are based on a percentage of the assets they manage for you and debited out of your account each quarter, or they charge a flat annual fee or an hourly rate. Make sure you ask a fee-only advisor what services they deliver for their fee. Some only manage a portfolio while others provide comprehensive financial planning and tax planning in addition to portfolio management.

Expect to pay slightly less for advisors focused only on investment management and slightly more if comprehensive planning services are also part of the package.

A fee-only, hourly rate financial planner can work with you to prepare a full and comprehensive financial plan or, if you prefer, a financial planner can address very specific issues regarding your investments, debts, education funding, estate planning documents, insurance or any topic of your choice on an hourly or project fee basis. In short, there is no “one size fits all” solution.

Don’t confuse planners with stockbrokers — the market mavens people call to trade stocks.

Financial planners also differ from accountants who can help you lower your tax bill, insurance agents who might lure you in with complicated life insurance policies, or the person at your local Fidelity office urging you to buy mutual funds.


Should You Use a Fee Only Financial Planner?

You can certainly go it alone when it comes to managing your money. But you could also try to do it yourself when it comes to auto repair. In both areas, doing it yourself is a brilliant idea for some, and a flawed plan for many, many others. Mastering personal finance requires many hours of research and learning. For most, it’s not worth the time and ongoing effort.

As you get older, busier and (it is hoped) more wealthy, your financial goals – and options – get more complicated. A financial helper can save you time.

Financial planners can also help you remain disciplined about your financial strategies. They’ll make the moves for you or badger you until you make them yourself. Procrastination can cause all sorts of money problems or unrealized potential, so it pays to have someone riding you to stay on track.


Mintco Financial Fee Only Financial Planning Orlando FL

Wherever your goals lead, our team can help you reach them.

Whether you need to protect your family members, a lifestyle, or important assets, explore a profitable opportunity, build a meaningful legacy, or enhance your own financial knowledge, the expertise you need is always a phone call away.

Call us at 813-964-7100 to learn more about how we can help you with your specific financial planning questions.

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