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Personal Financial Planning

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Hourly

Hourly financial advice

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For that extra bit of help

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Investment Advice

Just portfolio and asset allocation advice

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Portfolio and cash management advice

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Investment Advice
 By the Hour

When you want a registered investment advisor without worrying about being sold products or paying a percentage of your assets.

Hourly investment expertise without the commitment

Getting trusted expert Investment advice should not require signing over your hard earned savings to an assets under management advisor or worrying about being sold products you don’t need to earn someone else a commission. Investment advice should be given with YOUR best interests in mind only. At Fearless Finance, we offer honest, expert investment advice by the hour, with zero product pushing and no asset management contracts. As a registered investment advisor, our only obligation is to you. We don’t manage your money, sell financial products, or take commissions. You keep full control of your accounts while we help you make smarter, more cost-effective decisions.
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Comprehensive investment advice from a registered planner at an RIA

At Fearless Finance we have two priorities for our clients’ investments (and for our own families’ investments).

  1. The lowest possible fees
  2. The greatest possible diversification

As a registered investment advisor, we base our recommendations on what we use for our own families. Our investment advice typically includes an array of index funds or ETFs that create geographic and company size diversification. We do not pick stocks or try to peddle lucrative alternative investments that tie up your funds and have inconsistent results. We believe retail investors should not try to beat the market because it usually doesn’t work.

Our investment process

We work with you to understand your priorities, goals and time horizon by discussion in our first meeting. We then look at your current custodians and make recommendations on consolidation of accounts or potentially transferring accounts to discount custodians to further reduce fees. In our second meeting, we will work on the custom allocation for your specific needs including specific index funds and ETFs, cash for upcoming expenses, and the right mix of fixed income (bonds & cash equivalents) to equities (stock). In the third meeting, if you agree, we will implement our recommendations and reallocate any accounts that need to be reallocated or rebalanced. 

As your registered investment advisor, we’ll check in every 6 or 12 months to review your plan and rebalance as needed. The advice evolves as your goals evolve, no subscriptions or long-term contracts required.

Frequently asked questions

Knowing how your advisor is paid is critical to your investment success.

How is a Fearless Finance investment advisor paid?

Our advisors are paid BY THE HOUR only, which means you pay for the advice you get with no hidden fees.

How is paying by the hour for investment advice better than paying as a percentage of assets?
The sales pitch is that when your assets grow, your advisor’s pay grows. Everyone’s incentives are aligned, except when you need to take money out of an account to buy that beach house you always wanted. We want you to reach your goals. All of your goals, even if a goal shifts assets away from investments to something else. Plus, when you pay a percentage of assets as your funds grow, your fees grow as well. Hourly financial planning is consistent and predictable.
Don’t AUM (assets under management) advisors outperform the market?
Not usually. In fact, 85% of the time your manager will UNDERperform the S&P 500 over the last decade in large cap stocks. That’s a lot of underperformance. Our approach integrates index funds and ETFs to give you the best chance at reaching your goals.

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