Dave Ramsey Certified Coach: What it Means…

With a Ramsey Certified Coach, we have the heart of a teacher, not the attitude of a salesman. We’re also more than just a “financial planner”, we have a client-first mentality. Our firm is independent, so our loyalty belongs exclusively to our clients — not beholden to a parent company.

As Ramsey Certified Pros you can expect the following from us:

  • Our goal is to always do what is right for the client.  We know that by doing right for you we can and will grow our business from raving fans that spread the word.
  • One of our core philosophies is that our clients should always understand their investments. As your advisor, we will always be able to articulate our approach to investment recommendations.
  • We are transparent – In all of our client interactions you can expect transparency – no hidden agendas.  Why?  Because that’s the way we would want to be treated – you might call it “The Golden Rule”.
  • We agree to the SmartVestor Code of Conduct. We believe everyone deserves access to solid, professional investing guidance. – See more about Our Investment Approach
 

Managed vs. Commission

Fee-based (managed) accounts charge an ongoing fee based on your total assets (this is expressed as an annual charge, typically paid on a monthly basis). These accounts offer more investment options and allow for greater flexibility as your financial professional can modify your investments on an ongoing basis. Think of this like a subscription fee with no commitments. Your financial professional regularly manages the accounts and has a Fiduciary duty to put your interests ahead of their own.

Commission accounts charge a one-time upfront fee on any new money (your initial investment and ongoing contributions). Although this type of account can be cheaper, especially with breakpoint discounts, flexibility is limited as you need to stay within the same investment company. Moving to another investment company would require paying a new sales charge. These accounts are used for investors that anticipate very little trading. They are not regularly monitored and do not require your financial professional to act in a Fiduciary capacity.

Saving? Investing? Retiring?

Book your complimentary Dave Ramsey Certified Coaching consultation today!