About
Our process provides a disciplined approach. Your plan is created to align with your values and goals, while remaining involved throughout the entire process.
Disciplined Approach
Everyone has a financial plan. At its core, it is simply what you earn, save, invest, and protect. The question is not whether you have a plan, it is whether your current plan provides a high probability of success.
We help you measure your plan’s projected success without the typical conflict of selling commissioned products or expecting you’ll hand over control (and pay 1% or more annually).
Your financial choices along the way will be more important than picking the ‘right stock’.
Alignment
We believe an hourly model is the best way to serve clients in a fiduciary model. Our client’s needs and wants will differ based on their specific situation. Some want ongoing advice (without the 1% fee). While others want a second opinion or a starting point.
The hourly model provides alignment with your needs/wants without adding services (and costs) you aren’t interested in.
Involvement
You are impacted by the choices you make. If an advisor sells you a product, they often disappear, and you deal with the outcome (good and bad). You should be actively involved in the planning and investment process.
We work best with people who have at least a basic understanding of investments (or want to learn) but aren’t comfortable handing over full control to someone (and pay 1% or more). We work together when creating your initial plan and discussing investment choices going forward.
Your involvement is essential to success in our process.
Bob Burger, CFP®
If you’ve read through this site, you realize my focus is on serving financial planning clients via an hourly fee-only model. I feel this is the best way to serve your needs without making you agree to services you don’t want (or need).
I founded Disciplined Money after working for Schwab and multiple fee-only (AUM model) financial planning firms. Throughout that journey, I completed the Retirement Management Analyst designation, the Certified Divorce Financial Analyst designation and completed level one of the Certified Financial Analyst designation. I haven’t maintained these designations for various reasons (mostly cost - which gets passed to you).
I continue to maintain the Certified Financial Planning (CFP) designation and I am a member of the National Association of Personal Financial Advisors (NAPFA), the primary Fee-Only Association.
If you want to learn more about my background or talk about your situation, let’s schedule a time to talk.