Work with Stephanie Sammons, CFP®
If you’re like most of my clients, you are a successful professional earning a six figure income, and you’re looking to create more structure around your financial life and wealth-building goals.
You recognize that your financial life has also become more complex and you want assurance that you’re on the right track. You want peace-of-mind that your future will be well- funded so that you won’t have to worry about having enough money to live comfortably.
For nearly 25 years I’ve provided trusted financial guidance, financial life planning, and wealth management to successful women professionals.
I work with my clients to build a personal wealth plan for their future. Through my Personal Wealth Planning™ process, you will gain greater financial peace-of-mind and have a flexible roadmap for achieving your personal financial life goals.
Although I’ve been doing this for a long time, I’m no traditional financial advisor. You won’t find the stodgy corporate office, antiquated methods, paper pushing, and old school views here.
Our experience together will involve an optimal blend of personal engagement, connecting your way (in person, phone, virtual video chat, email, text messaging), state of the art financial planning and risk management tools, and overall a more “modern” approach to wealth management.
I also purposefully limit my practice to a smaller number of clients in order to provide the most optimal personalized service and support experience.
Dedicated to Planning-based Wealth Management
Many financial advisors say that they do financial planning, but in reality, they don’t. Most are interested in managing your investment portfolio absent the context of a financial plan. Why? Because real financial planning is time consuming and intensive.
The truth is, a financial advisor can’t possibly know how to prudently direct your financial assets and actions without a roadmap that considers all of your goals, dreams, values, beliefs, concerns, and financial resources.
We are fortunate today to have access to modern planning technology that can evolve along with you as your life circumstances change. After all, your life is a journey! It doesn’t always go as planned, and sometimes, you change your mind about what you want your future to hold.
That makes dynamic planning software an invaluable tool for real-time, real life financial planning. No more paper financial plans that become immediately outdated and gather dust on the shelf!
Financial planning is an ongoing process that we will engage in together. The Personal Wealth Planning™ process incorporates the 3 core areas of your life that create fulfillment: your well-being (health, family, community), your work, and your wealth.
Real financial planning takes into account your money AND your life.
Modern Approach to Investment Management
Investment management offered by the big brokerage firms and sales people who call themselves financial advisors is flawed. The reason is because there are substantial, hidden costs and conflicts of interest baked into the system. I should know. I worked for these firms for 15 years.
A modern approach to investment management involves creating a globally diversified portfolio tailored to your personal life goals with high quality, low cost funds, managed for tax efficiency, and strategically rebalanced.
Over the last 25 years as a wealth manager, I’ve also seen some of the best and worst times in our economy and financial markets. Markets don’t destroy wealth. How you react to them does.
For this reason one of the most important exercises we will go through is a unique risk profile assessment to determine your unique “risk number”. Knowing your risk number allows us to pinpoint the ideal portfolio allocation for your specific risk comfort level, and adjust for your goals as needed.
Although there can be some difficult “seasons” to endure along the way, you will have an investment plan you can stick with through all seasons.
Independent Fiduciary and Fee-Only
As a Fee-Only Fiduciary Registered Investment Advisor, you will receive comprehensive and ongoing financial planning, investment management, coaching, communication, support, and on-demand access to me personally.
My fee schedule is a progressive Fee-Only (no commissions or additional planning fees) structure based on a percentage of assets under management:
Up to the first $1,000,000 at 1%
The next $1,000,001 to $2,000,000 at .75%
The next $2,000,001 to $5,000,000 at .60%
Above $5,000,000+ at .375%
*Minimum quarterly fee of $1250/quarter if assets are below $500,000
As a Fee-Only financial advisor, I do not charge commissions, sell products, or accept referral fees from third parties.
Sammons Wealth Management client assets are held at TD Ameritrade Institutional, an established and reputable custodian that aligns with my firm’s mission and values.