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FAQs

Why choose a fee-only financial planner?

A fee-only financial planner is compensated solely by the client. Commission-based advisors receive commissions from product sales such as insurance and investment products. Often these products may offer a high commission but may not be best for you. We put your interest first, always. We receive no commissions from any investment, insurance, or other financial product we recommend to you. Our only source of compensation is the fee you pay us, ensuring that you get objective advice about your finances. We are also a proud member of NAPFA, the nation’s leading organization of fee-only comprehensive financial planning professionals. Learn more about the benefits of fee-only financial planners.

What is a CERTIFIED FINANCIAL PLANNER™?

CERTIFIED FINANCIAL PLANNER™ practitioners receive training and certification from the Certified Financial Planner Board of Standards, a professional regulatory organization. It fosters professional standards in personal financial planning so that the public values, has access to, and benefits from competent financial planning. Individuals who meet rigorous certification requirements are certified by CFP Board to use its certification trademark. 

Is there a charge for the introductory meeting?

No.

What is a Certified Divorce Financial Analyst™ (CDFA™)?

The Institute for Divorce Financial Analysts™ (IDFA™) is the premier national organization dedicated to the certification, education, and promotion of the use of financial professionals in the divorce arena. The Institute provides comprehensive training using a variety of knowledge and skill-building techniques. CDFA™ candidates learn how to help their clients with financial issues that will affect the rest of their lives, including:

  • Personal vs. marital property
  • Valuing and dividing property
  • Retirement assets and pensions
  • Spousal and child support
  • Splitting the house
  • Tax problems and solutions
  • Expert witness testimony
  • Tax law and financial issues affecting divorce

To acquire the designation, a candidate must successfully pass all exams and be in good standing with their broker dealer and the FINRA/SEC or other licensing or regulatory agency. 

What is an Enrolled Agent?

Enrolled Agents (EAs) are the only federally licensed tax practitioners who specialize in taxation and also have unlimited rights to represent taxpayers before the IRS. An enrolled agent can advise, represent, and prepare tax returns for individuals, partnerships, corporations, estates, trusts, and any entities with tax-reporting requirements, and their expertise in the continually changing field of taxation enables them to effectively represent taxpayers at all administrative levels within the IRS.

Can I use just one of your services?

We offer solutions using a consultative approach, with the goal of simplifying your financial life. Typically, coordinating a client's investment portfolios and financial planning is the best path to achieving this goal. While the majority of our clients seek both services, when appropriate, we are able to unbundle our services and provide only investment management or financial planning to meet your needs.

I consider myself to be financially savvy. Do I need a financial advisor?

Did you know that the majority of all millionaires have hired the assistance of a planner? These highly successful and disciplined people know that accountability is key to success. However, many people with the knowledge and experience to manage their own assets will procrastinate when it’s time to make a decision. Often their own needs take a back seat to jobs or family. We add value not only by helping you develop a plan, but also by implementing and adjusting it when necessary. Our knowledge and accountability as a financial advisor can help you take the necessary actions to meet your goals. 

 

Call Us To Schedule A Free Consultation
(949) 477-4990

Contact Us

4299 MacArthur Boulevard
Suite 100
Newport Beach, CA 92660
Phone: 949-477-4990
Fax: 714-464-4481
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

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Disclosure

All written content on this site is for information purposes only. Opinions expressed herein are solely those of Lauren S. Klein, President, Klein Financial Advisors, Inc. Material presented is believed to be from reliable sources and we make no representations as to its accuracy or completeness. Read More >