FAQ

We specialize in helping retirees, pre-retirees, young professionals, and anyone going through a life transition such as marriage, divorce, having children, retirement, or loss of a loved one. Daniel has worked with lawyers, doctors, PA’s, nurses, pastors, Realtors, real estate investors, physical therapists, occupational therapists, travel nurses, entrepreneurs, engineers, technology employees, business owners, and retail store owners.

We offer the three different services of comprehensive financial planning, investment management, and tax preparation. Our clients are best served when we do all three for them because each area of one’s finances is affected by the other and they move in tandem. At this time, we only offer tax preparation for those clients have previously elected a financial plan or investment management.

If you have retirement accounts from former employers we can look at how that fits into your overall strategy and we can roll it over to an account with us for ongoing management.

What about your company stock? We can take a look at how it affects your overall tax and investing situation and make the best choice for you going forward. Daniel has helped several clients with this already. Be careful not to sell too much in one year and owe a lot of capital gains taxes!

We use Charles Schwab as our custodian. They offer the highest levels in customer satisfaction, trading, and low fees which helps your bottom line!

Yes. Daniel is a fiduciary which means he has to act in your best interest. He is a fee-only financial advisor which means he only gets paid via fees and no commissions. This means you don’t have to worry that he will be pushing you towards a particular product simply because it pays him a higher commission, a practice sadly all too common in the industry.

Yes, Daniel is a CFP® professional. As a lifelong learner, he is also pursuing the CKA® designation, Enrolled Agent of the IRS certification, and is a member of the National Association of Personal Financial Advisors, the XY Planning Network, Kingdom Advisors, and the Roanoke Valley Estate Planning Council.

Daniel chooses to work with anyone who can pay his fee, regardless of account size or investable assets. The cost for a financial plan varies depending on complexity. UFP does have a minimum account size for asset management of $250,000, but Daniel may make exceptions to this at his own discretion. You can do a financial plan without asset management and vice versa, so you can still do a financial plan with no investable assets.

Each financial plan is different so the cost will vary based on complexity, but you can pay for financial planning via an upfront planning fee, monthly retainer fee, or combination of the two. Fees for investment management are debited from your account quarterly. Fees for tax preparation are due when the tax return is finished. You can pay via check, card, or cash.

Meetings are by appointment only. Please contact Daniel to set up an appointment.

No. Daniel does not get paid any type of commission. He works with a company that specializes in helping you find the best coverage at the best price by quoting you with 10 different companies, but he is in no way compensated by them. Contact him to start a financial plan to learn more.

Yes. Daniel believes that he can only serve a maximum of 75 client households with the highest levels of service and maintenance so once he reaches that point, he will stop accepting new clients, but for now he is still accepting new clients. Daniel’s investing philosophy is long-term so he expects to serve a client for the next 30-40 years until he retires. The advisor-client relationship is built to be long-term.