Our Firm
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“Freedom from financial mediocrity.”
Wiser Financial Coaching is a radically different financial services firm committed to providing our customers with a positive experience in a client-centered, coaching environment with no runaround and no B.S.
We are different – here’s why:
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We realize that the traditional financial advisor and brokerage model is broken. Many of our clients had no more financial confidence working with a financial services professional than they had before they started. We decided to offer our clients a different experience.
Our differences:
1. We put your interests first – this is always at the core of what we do.
2. We are serious about ethics – we have a fiduciary responsibility to our clients and it guides everything we do.
3. No sales quotas – we are not salesman, we are advisor-coaches.
4. We take a holistic and complete view of your finances and to consider all of your circumstances, family needs, goals, values, and aspirations before making recommendations.
5. We take a coaching role and take the time to clearly explain your options, to explain products or consequences of inaction.
6. Our fee structure is designed to provide on-going value. Our client’s out of pocket expenses are often substantially less than working with a traditional broker/advisor.
7. We expect you to ask questions, to be skeptical, and then to take an active role in your finances resulting in a higher degree of personal financial literacy.
8. Our recommendations are rational and based on academic research and tested financial and investing principals. Our recommendations are clearly documented. We never expect you to follow our recommendations unless you understand them and agree with our basis.
9. We believe you have rights and should set high expectations of our firm. See “Your Rights As A Financial Planning Client.” |
Your Rights as a FINANCIAL PLANNING CLIENT
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We believe that working with a Wiser Financial professional can and should be an extremely rewarding and valuable experience for you and your family. We believe that it is important for you to understand your rights in this professional relationship and to have high expectations of us.
The following is based on the Certified Financial Planner Board of Standards brochure “Your Rights as a Financial Planning Client.”
You have the right to expect:
INTEGRITY
We understand that our clients rely on our honesty, professionalism and abilities to achieve their financial and life goals. This is why we take our professional obligations seriously, and place principles over personal gain. You should always expect us to put your interests first.
You have the right to expect:
OBJECTIVE ADVICE
Our client’s needs are at the heart of all our recommendations. We will always use our experience and judgment to carefully consider your situation, and provide you with advice that best meets your goals. Sometimes, this objectivity may require us to explain that your goals are unrealistic given your current resources and financial commitments. But in all areas, you should expect us to put your interests first; That your goals and objectives are first on the agenda.
You have the right to expect:
COMPETENTCY
You have the right to expect competency and for each staff member to demonstrate an appropriate level of knowledge. You have the right to expect that we have been trained and have a commitment to ongoing education.
You have the right to expect to be:
TREATED FAIRLY
You should expect us to treat you the same way we like to be treated in a professional relationship. This involves clearly stating what services will be provided and at what price. You should also expect us to explain the risks associated with our financial recommendations and to clearly identify any potential conflicts of interest.
To eliminate conflicts of interests in our recommendations, we offer planning services for a fee giving you the option to implement the plan or to have us assist you in implementation. If we make a recommendation that involves a product that pays a commission, you have a right to expect us to clearly communicate this to you along with the reasons behind our recommendation.
You have the right to expect:
PRIVACY
We realize that in order to help you, you will need to disclose sensitive personal information. You have a right to privacy and to expect us to keep your personal information confidential disclosing it only when authorized by you. You should expect us to know and uphold current privacy laws.
You have the right to expect:
PROFESSIONALISM
You should expect us to be properly licensed and credentialed before giving you any advice. You should expect that any professional we work with is also licensed, in good standing and credentialed in his or her area of expertise.
You have the right to expect:
DILIGENCE
You should expect us to be focused on your needs, to be responsive, timely and to communicate. You should expect us to reasonably investigate the products or services we recommend. You should also expect us to closely supervise our staff.
To view a copy of the “Your Rights as a Financial Planning Client” brochure visit:
http://www.cfp.net//Upload/Publications/189.pdf |
Office Hours:
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Monday to Friday
9am to 5pm Eastern Time |
Contact Information:
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