Frequently Asked Questions

What are your qualifications? What is your education background?
I have 10 years of experience, both with a large mutual fund company and now as a solo advisor. I am a CERTIFIED FINANCIAL PLANNER (TM) professional, having completed 5 courses through New York University and passing an exam. I earned the Accredited Investment Fiduciary® mark through Stetson University and a bachelor’s degree in engineering from The Georgia Institute of Technology.

What is your approach to financial planning?
I work as the lead advisor with your accountant, attorney, and insurance agent to deliver and manage a financial plan based on your unique needs. I manage your investment portfolio in conjunction with your financial plan and make changes as needed over time, using low-cost investment funds with the option of favoring socially and environmentally responsible corporations.

What services do you offer?
I offer financial planning and investment management for individuals and families. I also offer investment management, retirement plan advisory services, employee investment education and consulting services for institutions.

Will I be locked into a contract?
No. My client contracts may be cancelled at any time with 30 days advance notice. Fees are non-refundable.

Will you be the only person working with me?
Yes, with the understanding that I work closely with your accountant, attorney, and insurance agent. My role is to manage your investments and be the coordinator of your financial plan, involving those other professionals when needed.

How are you compensated? How will I pay for your services?
There is an initial fee for a financial plan that ranges from $450- $1950, then an annual investment management fee of 0.92%. My fee can be deducted directly from your accounts.

If you are going to manage my account, will you obtain my permission every time you buy or sell something?
No. Client accounts are setup to be "discretionary" with limited power of attorney, allowing trades to be made without advance permission. Please note that I will never be able to move money out of your accounts or take custody of your assets. I can only buy and sell investments within the accounts.

Do you offer any guaranteed results?
No. Making guarantees about future investment returns is unethical and downright illegal. It is my job to set reasonable expectations for the future of your investment portfolio and present you with the calculated probability that your financial goals will be met, based on mutually agreed upon assumptions.

How much risk should I be willing to take?
Insufficient risk may lead to your money growing below the inflation rate and a devastating loss in purchasing power over time. Excessive risk may lead to an emotionally jarring short term drop in your net worth and may cause cash flow problems. Let’s work together to find the right amount of risk for you. I’ll manage your portfolio with the aim of maximizing growth at that level of risk.

Have you ever been charged with any breaches?

What financial institution(s) do you represent?
None. Middleton Advisory is a completely independent, fee-only, Registered Investment Advisor firm solely owned by me.

Do you provide a free initial consultation?
Yes, but this generally does not include the delivery of any advice or analysis of your financial situation. I am happy to meet you so that you can understand how my practice operates and get to know me personally.

What is your approach to Education Planning?
Higher education costs are out of control. Education planning involves setting goals based on future needs and then constructing an investment plan with a reasonable probability of hitting that goal. Tax favored accounts such as 529 plans are generally a good idea for these investments.

Middleton Advisory LLC is a Maryland Registered Investment Advisor. No part of this page is meant as tax or legal advice.
Investments which are not FDIC insured involve the risk of losing principle.