Our Philosophy

At Women's Wealth Management, we believe financial planning is the process of meeting your life goals through the proper management of your finances. Financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. By viewing each financial decision as part of a whole, you can consider its short and long-term effects on your life goals. You can also adapt more easily to life changes and feel more secure that your goals are on track.

Below you'll find answers to many of the questions women ask:

What is a financial planner?

What is the financial planning process?

When is it helpful to consult a financial planner?

Who can use the term "financial planner"?

How do financial planners get paid?

I'm married. Can my husband and I work with your firm?

Your website doesn't contain a page that discusses my circumstances. Can you still help me?

Do you offer a complimentary introductory meeting?

What is a financial planner?

A financial planner is someone who uses the financial planning process to help you figure out how to meet your life goals. The planner can take a "big picture" view of your financial situation and make financial planning recommendations that are right for you. The planner can look at all your needs including budgeting and saving, taxes, investments, insurance, retirement, and estate planning. Or, the planner may work with you on a single financial issue but within the context of your overall situation. The big picture approach to your financial goals may set the planner apart from other financial advisors who may have been trained to focus on a particular area of your financial life. For example, a CPA is trained to focus on your tax situation. A life insurance agent will focus specifically on insurance and risk management.

What is the financial planning process?

There are six steps to the financial planning process. They are -

Establish and define the client-planner relationship
Gather client data, including goals
Analyze and evaluate your financial status
Develop and present financial planning recommendations and/or alternatives
Implement the financial planning recommendations
Monitor the financial planning recommendations

When is it helpful to consult a financial planner?

You may find it helpful to consult a financial planner if:

You need experience you don't possess in certain areas of your finances. For example, a planner can help you evaluate the level of risk in your investment portfolio or adjust your retirement plan due to changing family circumstances.
You want to get a professional opinion about the financial plan you have developed for yourself.
You don't feel you have the time to spare to do your own financial planning.
You have an immediate need or unexpected life event such as an inheritance, major illness, divorce, or death in the family.
You feel that a professional advisor could help you improve on how you are currently managing your finances.
You know that you need to improve you current financial situation but you don't know where to start.

Who can use the term "financial planner"?

The government does not regulate financial planners as financial planners; instead, it regulates planners as stock brokers, insurance agents, or investment advisors, depending on the services they provide. As a result anybody can "hang out a shingle" and call him or herself a financial planner. Only those who have fulfilled the certification and renewal requirements of the CFP Board can display the CFP^(R) certification marks. When selecting a financial planner, you need to feel confident that the person you choose to help you plan for your future is competent and ethical. CFP^(R) practitioners must complete a comprehensive course of study at a college or university offering a financial planning curriculum approved by CFP Board, pass a comprehensive two-day, 10-hour CFP^(R) certification examination, have three years' minimum experience in the financial planning process, and agree to abide by a strict code of professional conduct. Additionally, CFP^(R) practitioners are required to maintain technical competence with a minimum of 30 hours of continuing education every two years.

How do financial planners get paid?

There is currently no uniform method by which financial planners are paid. A planner can be paid by fees based on an hourly rate, a flate rate, or on a percentage of your assets; by commissions paid by a third party from the products sold to you to carry out the financial planning recommendations; or by a combination of fees and commissions whereby fees are charged for the amount of work done to develop the financial planning recommendations and commissions are received from any products sold.w

I'm married. Can my husband and I work with your firm?

Yes. Just because we are a company created by women, for women, does not mean that you must be single. We gladly welcome married couples to explore our services. In fact, many married couples may feel more assured when working with us because we try to ensure both spouses understand the advice we give. We approach working with you from the standpoint that both spouses need to understand things, not just the spouse more educated about money matters. Husbands may also feel reassured that wives will have someone to depend on in the event of their incapacity or death.

Your website doesn't contain a page that discusses my circumstances. Can you still help me?

Certainly! The pages featured on our website which address the needs of executives, divorcees, caregivers, and widows are just some of the common circumstances in which a woman may find herself in need of financial guidance. We welcome women of any age or circumstance to contact us to explore if our services would be of help.

Do you offer a complimentary introductory meeting?

Yes we do. If you are interested in exploring the services we offer and whether our firm may be right for your needs, we welcome you to call and schedule an introductory appointment. This will be a meeting at our office during regular business hours for approximately 30 minutes in length. The meeting's purpose will be a "get-to-know-you meeting" and is your opportunity to ask questions about who we are and what services we provide. We will also get to know you to see if we feel our services will meet your needs, as we only accept clients who we feel we can appropriately serve.

This meeting will be at no cost and there is no obligation to use our services, however, so that we may adequately determine if we may assist you, we do ask you to come prepared by bringing a completed Confidential Financial Profile. You will only be asked to disclose this information to us as you are comfortable, but being well-prepared ensures we can have a productive conversation. It is also important to note that no financial advice will be given during this introductory meeting. Its purpose is merely to determine whether both sides would like to continue to explore a working relationship together. At the end of the meeting, either party may choose not to move forward. If you have any questions about our introductory meeting, we welcome you to call or email our office for more information.

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