We are fee-only fiduciary planners.

That sounds a whole lot more technical than it is. Here's what it means:

  • Fee-only. At RWS, we're very proud to have 100% of our revenue come from our clients. No referral fees for recommending one product or another. No soft dollar arrangements. And absolutely no commissions. We work for you...and only for you.
  • FiduciarySimply put, fiduciary means we put your interest ahead of our own. But there's more to it than just that. Many firms tell you that because they are fee-only fiduciaries, they have no conflicts of interest. We have a different take on it. While most of the financial services industry is content that "everything we tell you will be 100% true," at RWS we passionately believe in telling 100% of the truth. And that includes being honest about conflicts of interest always being possible in any relationship. Though we've worked very hard to build a service and business model to reduce the possibility to an absolute minimum, we know even we're not immune. In those instances when conflicts arise, we believe it's important that we proactively disclose them and resolve them in your favor--even if it means referring you to a different firm
  • Planner. We believe that the vast majority of value human advisors add is not as salespeople or portfolio managers, but as planners and advisors. Computers answer questions better, faster and less expensively than humans can...but humans still ask better questions. So we focus our time and energy on helping you untangle what's important to you, which risks you're willing to accept, and helping you establish and pursue the financial goals that put your money to its best and highest purpose. Everything we do starts with a plan. And every plan starts with connecting our expertise in financial planning to your expertise in you.

The Financial Planning Association ® (FPA ®) is the national membership organization for CFP® professionals, the indispensable resource to help you supercharge the value of your CFP® certification and become the best planner you can be. We believe true financial planners provide an invaluable, critical service to society, and that CFP ® professionals lead the way in the commitment to raise the bar for the clients they serve -- from transaction to transformation.

 

 

Proudly affiliated with:

 

License from NAEA

Enrolled Agents (EAs) are federally-licensed tax practitioners. As stipulated by the Department of Treasury's Circular 230 regulations, EAs are authorized to advise, represent, and prepare tax returns for individuals, partnerships, corporations, estates, trusts, and any entities with tax-reporting requirements. Enrolled agents are the only federally-licensed tax practitioners who specialize in taxation and have unlimited rights to represent taxpayers before the IRS.

XY Planning Network

XY Planning Network is the leading organization of fee-only financial advisors who specialize in helping members of Gen X and Gen Y. Our advisors stand out from the rest of the financial planning industry because of the way they put their clients first

Paul Allen is a member of the NAEA and has signed on to its Code of Ethics and Code of Professional Practice. Paul Allen and Sean Gillespie are members of the XY Planning Network and have signed its fiduciary oath, a copy of which we're happy to provide upon request.