Putting Clients First
It’s very simple. As a fee-only financial planning firm, we put your needs first. We don’t sell any products. We don’t receive any commissions, referral fees or kick-backs. We only make recommendations in your best interest. Because we charge a flat fee for our services, you can take comfort in knowing we have your best interest in mind.
Why Choose a CFP® Professional
A high level of competency, ethics, and professionalism.
By considering all aspects of your financial situation, a Certified Financial Planner™ can help you manage your finances, develop a strategy for meeting your goals and guide you through the personal financial planning process.
Anyone can call themself a “financial planner,” but only those who fulfill the certification and renewal requirements of the CFP® Board can display the CFP® certification marks. The CFP® Board’s Standards of Professional Conduct require CFP® professionals to act in your best interest, putting your needs above their own.
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To learn about the rigorous certification process, visit cfp.net.
Why Choose Fee-Only Services
No commissions, referral fees, or kickbacks.
Fee-only services eliminate confusion about what the CFP® gets paid, and instead puts the focus on providing unbiased services to clients.
Since we do not sell any products, our clients are never be pressured into an approach that may not fit their needs. We look at your entire financial picture and make recommendations based on your needs.
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What's more, our fee is the same whether we are assisting our clients with investments, insurance, estate planning, cash flow, business planning or tax planning. This flexibility allows us to assist clients as their financial planning needs evolve.
Fiduciary vs. Suitability
MFS advocates and adheres only to a fiduciary standard.
Before you hire an Investment Advisor, consider this: Only independent Registered Investment Advisors are required to act in a fiduciary capacity. The law requires that the Advisor act solely in the best interest of their client, even if that interest is in conflict with the Advisor’s financial interest. Any conflict, or potential conflict, must also be disclosed to the client prior to and throughout the engagement. Additionally, the Advisor must adopt a Code of Ethics and fully disclose how they are compensated.
Other types of "financial advisors” (or Registered Representatives) working for a brokerage or insurance company are only held to a suitability standard. It requires brokers to recommend investment products that are merely “suitable” based on the information provided by the client. There is no requirement that the recommendation must be in the client’s best interest, and conflicts of interest need not be disclosed.
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