Free analysis of your financial position and issues you may need to address. Find out how much you can save through smarter tax and investment management. Yours for free. Standard cost may reach Hundreds of Dollars.

In-depth analysis of your financial position, including specific financial targets. Accumulate wealth over time through efficient tax and investment management. Yours for $195. Standard cost may reach Thousands of Dollars.

In-depth analysis of your financial position, including specific financial targets. Accumulate wealth over time through efficient tax and investment management. Yours for $99. Standard cost may reach Thousands of Dollars.

 

Schedule a private call with your own financial advisor. Walk through your financial plan, and get further advice for implementation. Pay the lowest cost available for top expert advice.

‘Fiduciary’ means the advice you get from us has only one set of priorities and benefits: your own. Financial planning based on our service is guaranteed to be free of any hidden commercial and third party incentives: we do not sell you financial products or packages, nor do we receive commissions from any financial-services company or organization. All our advisors are bound by that professional oath, like your attorney would be, for example.

We are confident that you will be completely satisfied with the exceptional value that our services provide. Nevertheless, if for any reason you are not satisfied, all of our services carry a full money-back, no questions asked guarantee.

This term refers to the method of compensation for the financial planner. "Fee-only" planners are compensated solely by fees paid by their clients and do not accept commissions or compensation from any other source. "Fee-only" planners believe there is a significant "conflict of interest" if an advisor stands to gain financially from the purchase of any product he or she recommends to the client.

This service is registered with the Securities and Exchange Commission (SEC) under our formal name FinancialAdvice4Me LLC. You can find us on the SEC website at: www.adviserinfo.sec.gov. As RIA's our business is regulated. All companies registered as Investment Advisors with the SEC receive fees - not commissions.

A financial advisor held to a Fiduciary Standard occupies a position of special trust and confidence when working with a client. As a Fiduciary, the financial advisor is required to act with undivided loyalty to the client. This includes disclosure of how the financial advisor is to be compensated and any corresponding conflicts of interest.

Our services
Free Financial Assessment
Objective Financial
Plan & Investment Advice
Consult an Expert
PFA introduction video
Live chat
Napfa

FAQ

Who is processing the information I provide through your chat mechanism?

Our operations staff is responsible for processing your information including information you may provide by email, fax, files upload, or regular mail based on instructions you may receive throughout your chat.

How secure is the data I provide about my financials and personal assets?

We protect the privacy of client information and reports, in compliance with the strictest federal and state regulations. Your information is 100% secure and remains safely guarded throughout the process.

Is the report I get machine-produced, or is there a real person / professional authority behind it?

Our expert system generates a draft report. The report is analyzed and modified by one of our financial planners and finally signed by Bob Schumann, our Chief Advice Officer.

How fast will I get my report after completing the chat interview?

We will provide you with a date in which your report will be ready. If you provided all the information on-line, the date will be provided at the end of the chat interview. This date will also be written in a confirmation email you will receive after completing your order. In case you send us additional information in a fax or mail a delivery date will be set upon receiving all information from you and communicated to you via a confirmation email.

Typically your report will be ready 5 to 7 business days after receiving all information from you.

What exactly is the fiduciary service you provide?

The advice we give you is objective and unbiased. You are the only one who pays for our services; we do not sell you any third party products or receive commission from any company or organization. We analyze your information, apply our proven methodology and years of experience to work on your behalf and define a path to improve your financial well being.

What is advantageous about a fee-only service?

People's Financial Advisor is a fee-only service dedicated first and foremost to our clients' well-being. Since we do not receive commissions or fees from the sale or recommendation of any third party financial products, you are assured of receiving objective and personal financial advice based solely on your best financial interests. On the other hand, a financial planner who provides services that are not fee-only based, and has a financial stake in the course of action that he/she recommends to a client, faces an inherent conflict of interest, and cannot be considered objective and unbiased. Unfortunately, the vast majority of financial advisors in the United States are sellers of financial products. Some or all of their income may be dependent upon their ability to steer their clients to a limited number of the thousands of financial products available today. These advisors include stock-brokers, analysts, insurance agents, accountants and attorneys, as well as banking institutes' financial planners.

What is special about the financial assessment and guidance system created by Bert Whitehead?

People's Financial Advisor is based on the highly successful Cambridge system, developed by Bert Whitehead (www.bertwhitehead.com), one of the nation's top financial advisors. This system has guided thousands of families to financial independence over the past 30 years. The Cambridge system takes Nobel Prize winning Modern Portfolio Theory and applies it to the lives of middle income Americans.

The Cambridge system uses innovative tools and decision-making rules that are much different than the standard process taught in the Certified Financial Planning (CFP) training programs. The methodology is practiced by 130 CFPs across the US, with thousands of clients in one-on-one, interactive relationships.

How easy to understand are the reports I get going to be?

Our reports are extremely easy to understand, and are designed to explain what may sometime be complex financial information in a clear and simple way, so that anyone - especially people with no prior nor professional background in finance management - can immediately comprehend the practical advice given, and implement them in order to save money and gain financial stability and peace of mind. The reports are very visual and written in clear language, and feedback from our clients regarding the content and clarity of our reports has been extremely positive.

Who is actually providing me with the financial advice when I purchase this service?

People's Financial Advisor is made of a team of senior and experienced financial advisors, and upon entering your personal information in the context of our user-friendly 'Chat Interview', one of them will be assigned to review your information and prepare your personalized report. A financial planner reviews your report and enhances it when necessary. Bob Schumann is signed on your report as our Chief Financial Officer.

What is unique about your advisors, and how are they better than their peers?

Our expert advisors are Certified Financial Planners and accredited members of NAPFA (National Association of Personal Financial Advisors) and as such are sworn to uphold the fiduciary oath. As a Fiduciary, the financial advisor is required to act with undivided loyalty to the client. We are proud to be among an elite group (less than 1% of the more than 650,000 financial advisors in the US) that adheres to this "customer comes first" position.
Our advisors are highly experienced in the proven Cambridge System developed by Bert Whitehead, one of the nation's top financial advisors. This system has guided thousands of families to financial independence over the past 30 years.

Who can I contact if there is something in my report that I don't fully understand?

You can schedule a call with one of our financial planners to review your report. This service is called "Consult an Expert".

How extensive is your money-back guarantee?

If, for any reason, you are not fully satisfied with any of our services, we will refund your money - no questions asked. We are completely confident that the advice we provide will save you more than it costs.

Can I receive personal guidance from Bob Schumann directly?

Bob Schumann is People's Financial Advisor's Chief Advise Officer, and in that capacity his professional oversight guides any and all services provided and signed by our team of senior financial advisors.
When you have received a personalized financial report based on our 'Financial Plan', you may contact up to schedule a personal phone session ('Consult an Expert' service) with one of our advisors, and indicate that you'd like to have Bob as your advisor for that service. The service will be scheduled based on Bob's availability for your convenience.

What does it mean that your advisors are NAPFA-registered?

Our certified financial planners are accredited members of NAPFA (National Association of Personal Financial Advisors) and as such are sworn to uphold the fiduciary oath. As a Fiduciary, the financial advisor is required to act with undivided loyalty to the client.

NAPFA defines a Fee-Only planner as one who, in all circumstances, is compensated solely by the client, for the personalized service provided, with neither the advisor nor any related party receiving compensation that is contingent on the purchase or sale of a financial product. A NAPFA member or affiliate may not receive commissions, rebates, awards, finder's fees, bonuses or any form of compensation from others as a result of a client's implementation of the individual's planning recommendations.