FAQ’s

+ Do I have to have a certain amount of money to work with you?

No. We do not have asset minimums. We are a “fee-only” firm and that gives us flexibility to work with clients of all asset levels on a fee for service basis.

+ Do you manage investments?

Yes. We are a “fee-only” registered investment advisor. The way our clients typically pay for services is either a flat project or hourly fee or by a % of assets under management relationship.

+ Are you a fiduciary?

Yes. As CERTIFIED FINANCIAL PLANNER™'s and a fee-only firm, we are committed to doing what's in your best interest before our own. We believe in being on the same side of the table as our clients. Not in the type of relationship that is determined by what product we sell. Our only product is financial and investment advice given with the duty of care a fiduciary relationship requires.

+ What are your qualifications?

The founder of our firm, Jason J. Hamilton, CFP®, CRPC® is a CERTIFIED FINANCIAL PLANNER™ and Chartered Retirement Planning Counselor℠ and founded Keep It Simple Financial Planning in 2015. Jason has also earned the Certificate in Blockchain and Digital AssetsSM from the Digital Assets Council of Financial Professionals. He joins an exclusive group of financial professionals with the credentials to serve investors who are curious about bitcoin, blockchain and digital assets.

All of our advisors have achieved the highest financial planning certification and are CERTIFIED FINANCIAL PLANNER™ professionals.

We have helped hundreds of clients design their unique retirement blueprints and have seen most challenges you are possibly facing right now and know how to overcome them.

+ What is “fee-only”?

When it comes to working with a financial advisor, there are generally 3 models that you can use to pay for services. Please see this video here for a deeper explanation but in short, they are:

1. Commission:

You will be sold an insurance product or commission paying mutual fund to compensate the advisor for services.

This model typically limits you to the proprietary products of the company you are working with which are generally not the best available options.

2. Fee and commission - also known as “fee-based”:

We believe this is a deceptive model as this is what we call the ‘two hat’ advisor.

On one hand they have a fiduciary duty when advising on your retirement accounts.

On the other hand, and sometimes in the same conversation, when giving advice on insurance products, the advisor is only held to a suitability standard which is a much lower standard for advice.

They can essentially "switch hats" when working with clients and while there are many trustworthy advisors that use this model, the potential for conflicts of interest are very high which is why we have intentionally chosen to avoid this model.

3. Fee-only:

This is the model KISFP follows and believes is the best for our clients.

Why do we believe it’s the best?

While there are not any 100% conflict free models, we believe fee-only is about as close as one can get.

You are paying a fee for advice. With this type of relationship you are paying for our best advice without the requirement to buy a product or purchase any investments that may pay higher commissions or 'kick backs' that can incentivize an advisor to make a choice in their own best interest.

+ Do you offer ongoing investment and financial advice?

Yes. Please see our "services and fees" page.

+ What types of clients do you typically work with?

Our average client working with us for retirement planning services has about $250,000 to $2,500,000 in retirement assets. Some with much more and some with less. We don’t focus too much on how much money a client has but that our advice and guidance will yield a positive outcome.

We have nearly 2 dozen clients whose primary occupation prior to retirement was in the nursing/healthcare field.

We also work with many teachers, government employees, and aerospace employees who have to make very important pension decisions.

Our younger clients are typically small business owners, entrepreneurs, or professionals but we do not restrict any young clients from seeking services based on their background.

Our founder was personally seeking financial advice services before founding KISFP and could not find any fee for service options.

This is one of the reasons for founding KISFP. If you are younger than 40 and want to get advice and get on the right financial track, please don’t hesitate to reach out.

+ How does it work if I want to consider working with you?

The first step is to schedule a complimentary initial consultation.

There is no charge for this initial call. Before you commit to paying for services, we want to make sure we are a good fit to work together.

We only work with clients who are committed, coachable, and resourceful.

If during our initial call it becomes clear you do not fit these attributes, then we would not consider working together.

Please start by going to our scheduling page here.

+ What will we discuss on our initial consultation?

On our call, we’ll spend about 45 minutes to an hour reviewing your current financial situation. We’ll discuss what you’re doing well, and we will outline a specific game plan for improvements.

If you would like to take the game plan we discuss and implement on your own, that’s fine. But, if you would like to discuss getting our help, and you’re a good fit, we can discuss that too.

+ How do I get started? What’s the next step?

You can choose a time that works for you here: keepitsimplefinancial.com/talk

Once you choose a time, you will be sent to a form to complete with some basic information to help us maximize our time together.

Once that is complete, that’s it!