How can I tell if a financial planner is right for me?

Start with our What to Ask When Choosing a Financial Planner. Ask questions. Schedule a visit. And most importantly, make sure you like the people you will be working with! Financial planning is an intimate relationship, and usually endures for years or decades.

When do people typically need a financial planner?

Typically new clients come to us when they have had, or anticipate, a transition in life or work:

  • Promotion
  • Corporate transition (merger, takeover)
  • Inheritance or other windfall
  • Divorce, marriage or new partnership
  • International move
  • Planning for retirement
  • Changing jobs
  • Starting or selling a business
  • Starting a family
  • Planning for college

Do you charge for an initial consultation?

No, there is no charge for our initial meeting.

Do you manage investments?

Yes, for clients who request this. Investment management is provided as a percentage of the portfolio; the maximum is 1% and drops as the size of the portfolio grows.

Portfolio valueAnnual Fee (percent)
Up to $250,0001.00
Above $1,000,000.50

Again, this is charged as a fee to you. It is debited from your investment portfolio quarterly.

How do you charge for services?

In financial services, there are 3 typical payment models:

  • Commission—where a 3rd party pays the professional for selling products and services to you.
  • Fee-based—where the professional charges you fees and accepts commission from a 3rd party
  • Fee-only—where the professional accepts fees only from you.

Marshall Financial is fee-only.

This is to ensure that our advice is always and entirely based on what is best for you, not biased by the interests of any 3rd party. The financial planning fee is based on the complexity of your financial situation and the time we expect to spend on your behalf, and will be quoted after your initial consultation.

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