Sara Grillo

JANUARY 9, 2023

in all aspects of financial advice, with a special focus on Advice Only, Flat Fee, and Hourly service models. There is an emphasis on logical and clear disclosure of services and their related fees. Specific examples: Educating financial advisors of all business models (AUM, fee only, commission, etc.)

Financial Planning 52

Financial Planning Planning Financial Planner CFP 52

Sara Grillo

DECEMBER 12, 2022

Watch as all h&#@ breaks loose discussing the question of broker vs. financial advisor, commissions, fees, value, and more! We talked about: What is the best, fairest fee model for the client? Are low fees better than high fees? Does the way you are paid dictate how you serve clients? Doug Twiddy.

Financial Advisor 52

Financial Advisor Commission Clients Insurance 52

Sara Grillo

NOVEMBER 13, 2023

Medicare may seem like a straightforward type of thing – it’s a government benefit that you just file for, right, how hard can it be? Well, not if you make mistakes. For those of you who are new to my blog, my name is Sara. The ACA protects you from being excluded due to pre-existing conditions.

Clients 59

Clients Financial Advisor Healthcare Insurance 59

eMoney Advisor

NOVEMBER 9, 2022

Cultural humility can help create a safe space for clients to share their most important financial information, which is a critical part of the financial planning process. As wealth begins to change hands, there will be new expectations for the financial planning industry —new service areas to explore and new client expectations to exceed.

Financial Planning 78

Financial Planning Planning Certified Financial Planner Financial Planner 78

Walkner Condon Financial Advisors

APRIL 21, 2023

What does it mean to be a Fee-Only financial advisor ? Fee-Only financial advisors and firms receive no sales-related compensation or incentives. They are compensated only by the fee the client pays. This can include mutual funds, insurance policies, annuities, and other financial products.

Certified Financial Planner 52

Certified Financial Planner Financial Advisor Fee Only Financial Planner 52

Clever Girl Finance

AUGUST 2, 2023

Are you considering starting a side hustle? Perhaps you imagine quitting your job one day to take your business full-time, or maybe you just need to make a little extra money in your spare time. When launching a successful side hustle, there are several foundational things you should have in place.

Business Planning 94

Business Planning Planning Food Budgeting 94

WiserAdvisor

JUNE 12, 2022

Hiring an advisor earlier on in your financial planning journey can benefit you in several ways. The professional financial advice they provide you along the way can help you reach your personal and financial goals faster. Before that, we will also discuss the average financial advisor fee.

Financial Advisor 52

Financial Advisor Fiduciary Duty Commission Financial Planning 52

Clever Girl Finance

MARCH 6, 2023

How do you make money as a teenager? Earning money as a teenager can seem like an uphill battle. You have things to pay for, such as clothes, entertainment, going out with your friends, and let's not forget gas or transportation. Grow your savings When you make an effort to keep part of your paychecks, it will add up over time.

Media 86

Media Accounting Banking Food 86

Inside Information

APRIL 1, 2024

You may have read, in passing, that the Financial Services Institute—the broker-dealer lobbying organization—has filed a lawsuit in the U.S. against a revised Department of Labor rule that specifies who should be considered an independent contractor and who should be considered an employee under the Fair Labor Standards Act.

Compliance 40

Compliance Commission Sales Financial Services 40

Clever Girl Finance

SEPTEMBER 25, 2023

Are you keen to hear ideas for how to make money as a teenager? You’ve come to the right place! You have things to pay for, such as clothes, entertainment, going out with your friends, and let’s not forget gas or transportation. That said, making money at your age can seem like an uphill battle.

Media 52

Media Accounting Clients Banking 52

Sara Grillo

AUGUST 14, 2023

For those of you who are new to my blog, my name is Sara. Does it matter if you are a fiduciary or not? Someone who has a conflict of interest can not operate as a fiduciary. Someone who has a conflict of interest can not operate as a fiduciary. Is it, “meh, who cares”, or does it make a true difference?

Financial Advisor 52

Financial Advisor Fiduciary Duty Insurance Financial Advice 52

Clever Girl Finance

MARCH 24, 2022

Are you considering starting a side hustle? Perhaps you imagine quitting your job one day to take your business full time? Or maybe you need to make a little extra money in your spare time. Wondering what things you should be focusing on upfront? What exactly is a side hustle and how can it benefit you ?

Business Planning 52

Business Planning Planning Taxes Media 52

SEI

AUGUST 2, 2022

Key takeaways: Endowments under $100m. The largest percent (28% on average) of operating budget comes from institutional support/shared service agreement. The largest percent (28% on average) of operating budget comes from institutional support/shared service agreement. Institutional (US). About the event. Results by Session .

Asset Allocation 52

Asset Allocation Budgeting Nonprofit Distribution 52

Inside Information

DECEMBER 26, 2023

He published a number of white papers around the turn of the century that predicted a dystopian professional landscape composed of a small handful of giant RIAs and a few smaller firms scurrying under their feet, looking for table scraps. Mark Hurley seems to be addicted to predicting the future. Conclusions?

Wealth Management 40

Wealth Management Clients Management Numbers 40

Mr. Money Mustache

NOVEMBER 10, 2020

I am guessing that you might feel the same way these days – most of us Americans are in the same boat. This situation has not been quite ideal, because my life is not a very useful model for everyone to follow. This situation has not been quite ideal, because my life is not a very useful model for everyone to follow.

Insurance 73

Insurance Medical Medicine Healthcare 73

Inside Information

SEPTEMBER 28, 2021

I n case you missed it, the XY Planning Network—Michael Kitces and Alan Moore—have filed two petitions with the SEC, and they’re far more ambitious in what they’re asking for than anything I’ve seen from our trade or professional organizations. Of course, this was never finalized.

Financial Planner 40

Financial Planner Financial Planning Commission Sales 40

Sara Grillo

APRIL 11, 2022

The other day it hit me that the only systems in America other than AUM where you pay more for making more are alimony, child support, and the IRS. For those of you who are new to my blog, my name is Sara. An hourly financial advisor is someone who provides financial advisor for a set hourly rate. So please subscribe!

Financial Advisor 52

Financial Advisor Portfolio Clients Management 52

Inside Information

FEBRUARY 1, 2024

When you’re nearly as old as Methuselah, you start to see some patterns over time. What was the reaction? A lot of hand-wringing, initially, because many advisors questioned their value working the good ‘ol HP 12C making retirement planning calculations for their clients when this newfangled thing called software came along.

Financial Planner 40

Financial Planner Financial Planning Clients Planning 40

Inside Information

OCTOBER 30, 2021

B y now, I’m sure most of you are familiar with the Committee for the Fiduciary Standard—but if not, well, it’s a group of prominent advisors who advocate that anybody who holds out as a financial planner or advisor be held to a strict fiduciary standard. I participate in their discussions, though I’m not formally a member.

CFP 40

CFP Commission Education Investing 40

Sara Grillo

MAY 8, 2023

Listen to this if you are a financial advisors or consumer who wants to see through the crap and make better decisions about whether IUL is good for you (or your client) or NOT. For those of you who are new to my blog, my name is Sara. I am a CFA® charterholder and financial advisor marketing consultant.

Insurance 59

Insurance Clients Financial Advisor Accounting 59

Sara Grillo

MAY 23, 2022

The advice-only movement is a bigger move than a shift in fees – it’s a transcendence to a higher level of morality, transparency, and service to the consumer. For those of you who are new to my blog/podcast, my name is Sara. What’s up with these “advice-only financial planners?” So please subscribe!

Financial Planner 52

Financial Planner CFP Financial Planning Education 52

Sara Grillo

MAY 16, 2022

I’m pleased to present you with a list of low cost financial advisors! Can I get a whoo hoo on that? Can I get a whoo hoo on that? For those of you new to my blog, my name is Sara G. I have no formalized business relationship with any of the firms listed on this low fee financial advisor list.

Financial Advisor 52

Financial Advisor Financial Advice Financial Planner Assets 52

Sara Grillo

NOVEMBER 8, 2022

Here is a template and some model text for a flat fee advisor website. Please note: This is just a model. The text in parenthesis, and other places where required, will need to be customized by you. You should get this run by compliance before publishing any of this text. You should ask compliance for them.

Compliance 52

Compliance Wealth Management Financial Advice Ethics 52

Good Financial Cents

APRIL 14, 2023

Personally, I don’t think it matters which statistical bucket you fall in to claim the following: making an extra $1,000 per month would dramatically improve your life. Personally, I don’t think it matters which statistical bucket you fall in to claim the following: making an extra $1,000 per month would dramatically improve your life.

Communication 90

Communication Investing Investments Accounting 90

Sara Grillo

AUGUST 25, 2023

Before we get into it, here are some resources that may help you. It will teach you how to avoid shenanigans, crap products, and other scummy practices that are unfortunately common in financial advice. I wrote a bunch of consumer advocacy blogs here to protect people from all the BS.

Financial Advisor 52

Financial Advisor Accounting License Financial Planning 52

Sara Grillo

JUNE 2, 2022

This blog is not for the faint of heart. For those of you who are new to my blog/podcast, my name is Sara. There is no absolute value that can be quantified by a few simple metrics and a simple questionnaire. There are other nonsense financial advisor rankings such as Forbes and CNBC that I rip apart here too.

Financial Advisor 69

Financial Advisor Clients Ethics Numbers 69

Mr. Money Mustache

APRIL 27, 2023

From those first three paragraphs, you can see I’m feeling plenty of self-mockery and ridicule over this new purchase. If you’re also a naturally frugal person, you can surely relate to the thoughts and you probably also agree with me that I’m off my rocker. So why the hell am I buying a new one?

Budgeting 139

Budgeting Accounting Retirement Taxes 139

Sara Grillo

NOVEMBER 14, 2022

He is a flat fee advisor; not a licensed insurance agent. He is a flat fee advisor; not a licensed insurance agent. For those of you who are new to my blog, my name is Sara. Fee only advisors can now purchase annuities for their clients without having to be licensed agents. Let’s talk about it.

Insurance 59

Insurance Financial Advisor Retirement License 59

Sara Grillo

JUNE 12, 2023

When you pull back the curtain you see that insurance costs are often excessive – but the illustration will never tell you that! For those of you who are new to my blog/podcast, my name is Sara. Variable life, indexed universal life, and universal life insurance companies can produce these.

Insurance 59

Insurance Clients Financial Advisor Math 59

Sara Grillo

MARCH 13, 2023

There’s a lot under the surface though and that is what we are going to talk about today so let’s get onto the show! For those of you who are new to my blog, my name is Sara. ETFS can be thought of as a wrapper around an investment strategy. Will the SPY lose its crown this year? Are semi-transparent ETFs are raw deal?

Financial Advisor 59

Financial Advisor Assets Management License 59

Inside Information

APRIL 26, 2023

I hadn’t realized that baseball legend Jackie Robinson once ran a banking institution (cover story) but I fail to see how that relates to the management of a financial planning firm or improves the profession’s collective understanding of client service. But then a “Top 40 Under 40” article caught my eye. Wait; what?!?

Financial Planner 40

Financial Planner Financial Planning Planning Financial Advisor 40

Clever Girl Finance

JULY 6, 2023

While any woman can start any type of business she has the knowledge and experience for, here are some of our favorite small business ideas for women who want to be their own boss! Especially if you already have the necessary skills to get started! You can often find part-time online work doing bookkeeping for small businesses.

Clients 83

Clients Media License Advertising 83

The Big Picture

SEPTEMBER 5, 2023

You can stream and download our full conversation, including any podcast extras, on iTunes , Spotify , Stitcher , Google , YouTube , and Bloomberg. I found this conversation to be a lot of fun and I think you will also. RITHOLTZ: You are a returning champion. It feels like I’ve been here before. MILLER: Sixth.

Sales 130

Sales Numbers Taxes Marketing 130

Sara Grillo

SEPTEMBER 26, 2022

What is the CFP Board’s role in enforcement, and do you believe it is effective? . What do you believe the CFP Board’s role should be in the future? What do you believe the CFP Board’s role should be in the future? For those of you who are new to my blog, my name is Sara. What is your opinion?

CFP 59

CFP Financial Advisor Financial Planner Ethics 59

Inside Information

OCTOBER 31, 2022

Having interacted with some of you, that doesn’t seem to be a problem for everybody. But some of us (in these conversations) wondered if private equity firms realized how fragile these profit margins can be, that they are subject to the whims of a bear market. But after 40 years, it starts to present some challenges.

Financial Planning 40

Financial Planning Recruitment Clients Planning 40

SEI

SEPTEMBER 6, 2022

Those in and outside the financial services industry are seeking to reconcile this emerging technology and its impact on the ecosystem of investing. Consider that anyone with an internet connection or smartphone can invest in digital assets, regardless of their network, location, nationality, affiliation, or accreditation.

Assets 52

Assets Investing Investments Government 52

The Big Picture

NOVEMBER 15, 2022

You can stream and download our full conversation, including the podcast extras on iTunes , Spotify , Stitcher , Google , YouTube , and Bloomberg. All of our earlier podcasts on your favorite pod hosts can be found here. ~~~. Why don’t you speak to him? Tell us about what you did at Barclays.

Management 268

Management Assets Portfolio Investing 268