Choose your financial planning approach
Our relationship begins with a free, one-hour consultation. Then, if you’re ready to move forward, you have three ways to engage with us for financial planning:
Depending on your circumstances, additional fees may apply, including:
It’s common for people to choose the flat-fee financial plan only. After going through the planning process, many clients do decide to have us manage their portfolios, too. It’s up to you. After all, it’s your money and your financial journey. We like to say, you’re always in charge of your journey, but you’re never alone.
Getting to know you
Once we have a signed engagement letter, we’ll begin the planning process by talking about your dreams. What do you want for yourself and your loved ones? What else do you care about? What’s your risk tolerance and time horizon? What kind of legacy do you want to leave behind? Next, with your dreams in mind, we’ll conduct a comprehensive review of your net worth and cash flow.
Many people have a complicated relationship with money—discouragement, stress, or unrealistic expectations. We’ll help you reframe how you think about money so you can dream bigger and start building the future you want.
Creating your plan
After Discovery, we’ll get to work on your financial plan. Our strategies are proven, but how we apply them is unique to you. Your lifestyle, goals, and values shape every recommendation we make. We’re thorough, detail-oriented, and committed to giving you a plan that works in the real world—not just on paper.
We’ll meet with you to present a draft of your plan and answer any questions. After listening to your questions and comments, we’ll make any necessary changes, and then deliver your final plan. If you’ve chosen a flat-fee plan, now you’re ready to set it in motion. If we’re also managing your investments, read on.
Putting it all into action
If you’ve chosen to have us manage your investments, we’ll help you implement the action items you approve. Clients often tell us that this hands-on help is the best part of working with us. Whether it’s setting up Roth IRA conversions or a 529 plan, or diversifying your portfolio, we take care of the details.
Staying on track
If you’ve chosen to have us manage your assets, we’ll monitor them regularly and provide you with a monthly account statement. Every quarter, or in the event of significant market events, we’ll make any movements needed to keep your assets in line with your plan and guide you through market ups and downs.
We’ll meet with you regularly to review your plan and goals. If you’re getting married or divorced, changing jobs, starting a family, buying a home, or preparing to retire—we’re here to help you make the right financial decisions.
True stories. Real results.
Financial Freedom Faster
Take a step in the direction of your dreams. New to ROI Financial Advisors, schedule your appointment.
Frequently asked questions about the financial planning process
Because we bring value that goes far beyond “saving you time.” Our expertise spans retirement, tax law, investments, and the latest financial tools. People who work with advisors grow significantly more wealth than those who don’t—by as much as a 2–3% annual premium (source: SmartAsset).
We’re also honest: if we believe our fees outweigh the benefit for your situation, we’ll tell you. That’s why our consultations are free.
Maybe upfront—but costly mistakes and missed opportunities often outweigh the savings. Our knowledge, experience, and ongoing support are designed to help you grow and protect wealth in ways DIY tools can’t.
A fiduciary is someone legally and ethically required to put your interests ahead of their own. ROI Financial Advisors as a firm—and every one of our individual financial advisors—are fiduciaries. That means our only priority is what’s best for you.
No. We work with clients nationwide, offering both in-person and virtual meetings. You choose what’s most convenient for you.
Yes. You’ll have one primary advisor who knows you and your financial story. If needed, you may also work with specialists on our team, but your relationship stays consistent.