Our FREE Financial Consultation

Click to Arrange your FREE financial consultation today!

Sadly, these days when people see the word "FREE" they often become skeptical and usually with good reason.

Our Promise...

Rest assured that when we meet for your FREE consultation, you will NOT need to bring your checkbook and we will not be sending a bill.

Our Objective...

> This valuable time together is used first to discover if there is a good fit between us, then understand your needs and determine how to best serve you.

> In this meeting you will have questions as will we.  If you feel that JPB Financial is a good fit for you, we then agree to get working on your needs in a follow-up meeting.

> What happens in your FREE consultation? 

• We gather an understanding of what your concerns and goals are.
• We expect that you will be doing most of the talking - we want to understand your own unique situation.
• We express any initial dangers or opportunities that we identify based on what you told us.
• We help you understand what can be done to address your concerns and goals.
• If we all feel that needs should be addressed, we then talk about how you would like to proceed.
• Once an agreement is made on how you would like to proceed, we then discuss the various flexible options of working together. 

> How are we compensated? 

There are a few ways in which we can charge for our services.  The way in which we are compensated depends upon the services that you request.

Tranpanency - Honesty - Objectiveness

 "If we are engaged in a "fee-only" relationship - specific product suggestions cannot be marketed or sold as it conflicts with objectivity and ethics rules."

> Here is a quick breakdown of typical ways in which we may be compensated:

• Fee for service
  
  • Flat-fee for a comprehensive financial plan.
  • Flat-fee for a modular financial plan if you just have a few key areas of concern.
  • Or we can arrange an hourly fee basis that best meets your needs.
     
• Investment management
  • If your investable assets are large enough and you would like active management, we will manage your portfolio for a fee consisting of a percentage of the value of the account.  The percentage is based upon the size of the account.
     
• Investments
  • When establishing an investment account and you would rather not pay a management fee, we may suggest investment products that may consist of buying mutual funds that may charge to invest in the fund.  These costs are set by the mutual fund companies.
     
• Insurance and other products
  • With regard to the sale of insurance and other financial products we are normally compensated by a commission from the insurance or investment company.