I spent a decade working at firms where the conflicts-of-interests became unbearable to me! You deserve unbiased advice on what to do with your money. Sadly, the business-model of most firms doesn’t allow for this.

Heck no! Advisors pay Dave a ba-jillion dollars to participate in his referral program, then promise to sell his proprietary insurance, mortgage, and investment products! CFP is profoundly unbiased, fiercely commission-free.

If your advisor’s card has the logo of a name-brand bank, firm, mutual fund, or insurance company, the chances are very high! They have massive quotas & commission tiers to hit.

I help people navigate their investments to a ‘zone’ of Profit or Loss based on their Financial Plan, not a formula. All investment contains risk, but you can be a wise and fearless investor in your P&L Zone!

After a free-consultation, I charge by the hour for a Plan similar to a CPA. This is called fee-only. I charge a low, flat fee on investments, and never accept a kick-back or commission on your portfolio.