Fee-Only, No-Robo:
Real Planning For Real People℠
SCHEDULE NOW
TRANSPARENT PRICING
[NOTE: In compliance with the CDC and
California COVID-19 safety guidelines, we
are encouraging all clients to take advantage
of our secure video conferencing platform,
and we are requiring masks and sanitizing
protocols for all in-person meetings.]
Welcome to Soesbe Financial
Soesbe Financial is a fee-only financial planning firm. We pay special attention to your individual needs, pride ourselves on delivering consistent results, and adhere to strict ethical guidelines. Please browse our Services to learn more about how we can help you.
Why Choose Soesbe Financial?
With thousands of financial planners, investment managers, brokers and advisors available to you, why should you consider teaming up with Soesbe Financial? We’re glad you asked:
Fee-only
We don’t sell anything except our extensive professional expertise in the very complex area of financial planning. We sell no products and we collect no commissions. Our sole compensation comes directly from our clients, and that means we are free to provide fully unbiased advice for the best interest of our clients.
Fiduciary
Soesbe Financial is a fiduciary financial planning firm. The fiduciary obligation consists of a legal duty of loyalty and care and includes:
- Acting in the best interest and utmost good faith of clients.
- Placing the client’s interests above their own.
- Refraining from personal securities transactions inconsistent with client interests.
- Providing full and fair disclosure of all material facts.
- Providing personalized, suitable investment advice.
- Seeking the best execution of a client’s transactions.
- Providing financial advice and monitoring of client accounts where applicable.
Commissioned advisers and brokers are not bound by the strict fiduciary duty parameters, and instead are held to a much looser standard, that of ‘suitability’. The suitability standard states that a commisioned adviser has to merely believe that the product they are selling is suitable for the client. For a good description of Suitability vs. Fiduciary Standards, click here.
No-Robo
You are most likely already familiar with the simplest form of robo-planning, the online Retirement Calculator (for example, this one from AARP).
Many financial advisors use impersonal, limited robo-planning computer programs to set up your investment management account. Robo planners are not focused on creating the best-tailored financial plan for you as an individual; a robo-advisor’s primary aim is to gather assets.
Robo-planning focuses on your investments, not on delivering customized advice like whether you should buy instead of rent or how to seriously prepare for the comfortable retirement you want. For a good overview of robo-advisor technology from Investopedia, click here; for an interesting article on the relative merits of robo advisors from Seeking Alpha, click here.
Personal Service
At Soesbe Financial, we deliberately foster and nurture a personal, one-on-one relationship with our clients. We seek to gain an in-depth understanding of the unique individual needs of the client, and work with them, as a team, to align their finances with their personal goals.
Our clients are not numbers or dollars: they are unique individuals with unique needs. And we never lose sight of that simple fact. Our clients often say that we’ve helped them to change their lives for the better. We’re pretty happy about that.
If you feel Soesbe Financial is a good fit for your needs, we encourage you to contact us today to schedule a meeting.
Paddy Hirsch defines the term “fiduciary”:
Your Soesbe Financial Team
Our reputable, talented team members care deeply about our clients and our community and work effectively to achieve exceptional results for you.
Meeting With Us Is Easy!
We make meeting with us easier than ever! Soesbe Financial provides clients with convenient meeting options: In-Person or Video Conference.
* [Please note that we are currently encouraging clients to meet via video, to help reduce exposure to Covid-19 in our community. In-person meetings are still available, but require masks and sanitizing protocols]
You can meet with us via video from the comfort of your own home, office, or wherever your busy life takes you!
News & Events
Stay up to date on our latest articles, news, and what we are doing to serve and bring change to our community.
Understanding Cost Basis
Understanding your cost basis can save you pretty penny or three. Here’s a useful little primer on what cost basis is, and why it’s useful to understand, from the folks at Schwab. Save on Taxes: Know…
Protect Yourself From Phishing Identity Theft Scams
Identity theft via phishing has grown steadily in the last few years, and has now exploded due to the pandemic restrictions and the rise of online interactions. Phishing was previously defined as: “the fraudulent practice of…
Protect Yourself From Phishing Identity Theft ScamsRead More
Free Weekly Credit Reports Now Through April 2021
Top national credit reporting agencies, Equifax, Experian and Transunion, are offering consumers free weekly credit reports through April 2021. To get your free report, go to annualcreditreport.com, the only officially sanctioned site for this. Credit reports…
Credit and Identity Thieves Are Exploiting COVID-19
Identity and credit thieves are taking advantage of the confusion during Covid-19 to target consumers in astronomical numbers. There are a few things you can do to protect yourself, including taking advantage of the new relaxed…
Credit and Identity Thieves Are Exploiting COVID-19Read More
State By State Guide To Tax Deadlines For Filing & Payments During COVID-19
Forbes has put together an excellent guide to state-by-state tax filing and payment deadlines. We encourage all our Soesbe Financial clients, as well as the general taxpaying population, to file their taxes sooner rather than later,…
State By State Guide To Tax Deadlines For Filing & Payments During COVID-19Read More
Beware stimulus check scams
Even though the stimulus bill has barely passed, scammers have started calling folks up, trying to get them to divulge confidential information such as bank accounts, social security numbers, and so forth. DON’T FALL FOR THEIR…
Ready to move forward with your best life?
Let’s work together to effectively align your current finances with your life goals through logical, disciplined financial planning!