I hope you’re having a great 2016 so far! I’m Cady, the founder of North Financial Advisors. I’m passionate about personal finance and helping my clients find the right work-life balance. I help people dream big, find financial freedom and navigate life challenges as a fee-only financial planner. I wanted to take a quick moment to help my readers understand a little more about what it’s like to work with me.
My clients are successful in their day jobs, ambitious, and probably don’t want to stay at the same desk job forever. They may already be looking into starting a business of their own one day. However, with their busy personal and professional lives, they don’t have the time to wade through mountains of news and information to figure out what to do about their budget or how to plan financially for creating their business, much less review their investing and retirement planning. Finances can also be a huge source of stress when there’s a big life change like getting married, negotiating benefits and salary at a new job, buying a house, or starting a business.
The good news is, it’s ok to ask for help! Managing your finances shouldn’t be overwhelming or confusing. We can help you get your financial life in order, so that you can live out your greater purpose.
When you work with North Financial, we here to help you stay clear on what your financial goals are and establish a plan to get there. We will remind you of your goals and values periodically, especially when new situations arise, to help prioritize your actions. Your identified goals will be top-of-mind as we prepare your comprehensive financial plan.
I know that some of you may have encountered advisors through banks or other types of brokers who wouldn’t work with you because they have asset minimums of $1 million+. I’m building a firm that welcomes anyone, regardless of how much money they have to invest. I also make it affordable. Instead of charging a lot of fees upfront or hiding them through commissions, I break up the cost of working with me so that you pay on a monthly basis. I have a fiduciary duty to all my clients, which means I have your best interests in mind when giving advice and recommendations.
I can bring you peace of mind by setting up a customized financial plan tailored to your dreams and desires. Together we’ll make sure you have financial freedom now as well as in the future. We will also work together throughout the year to keep your plan up-to-date and tackle tough questions when they come up. The bottom line is, you’ll get ongoing virtual support and coaching throughout the year.
Here are some common client concerns I hear about. Is any of this familiar to you?
| Common Client Concerns | North Financial Advisors Solution |
| I don’t know if I have enough to retire early | Book some time and together, we can review your current assets, liabilities and time horizon for retirement. Even if you don’t think retiring early is in the cards for you, we can review your goals and look at what it would take to meet them. |
| I’m smart about saving, but I don’t know where to park my money or how to invest. | Let’s sit down and look at an asset allocation strategy that makes sense for your time horizon and risk tolerance. At North Financial Advisors, we believe in buy and hold investing because timing the market costs too much and yields too little. We’ll teach you about diversification, low expense ratios and smart tax and rebalancing strategies, which are critical to effective portfolio management. |
| I need help setting up a budget that doesn’t require a lot of work on my part. | After reviewing your current spending and talking about your goals and values around money, we can provide access to some excellent online tools that will help you stay on track with your budget. |
| I don’t have anyone I can ask random financial questions | With our ongoing support model you’ll be able to contact us via email with any questions that come up. That way if you start a new job and want to review the benefits, get married, or have some other life change, you can feel comfortable reaching out for advice. Plus, we can meet virtually or in person a few times a year to check in, even if there haven’t been any major changes. |
| I’m starting my own business and I want help planning for it financially | You’ve come to the right place. Cady has extensive training and experience developing business ideas and marketing strategies and is a big fan of the lean startup movement. We can review your current finances and business plan to see where you can optimize financing decisions and create a plan to ensure your model is sustainable and you are able to support yourself during the startup phase. |
| I have some extra savings and I’m not sure whether it’s time to buy a house or start investing for some other purpose | We can conduct a buy vs. rent analysis and also prepare a comprehensive review of your financial life so that we can understand what’s most important to you and help match up your financial goals with your dreams and values. |
| I need help figuring out how to balance paying down debts like my student loans with my other financial goals | We can sit down and discuss what’s most important based on your financial position and save you a ton of time by conducting a rigorous analysis and providing some clear action items for you. |
Let’s sit down and talk a little bit more about what your true goals and passions are for your life. Together, we can come up with some excellent financial strategies to get your there. When you’re ready, review my services and schedule a free consultation with me.
