facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast blog search brokercheck brokercheck


What is financial planning?

What is a financial planner or advisor?

What’s so different about Garrett advisors?

Isn’t financial planning just for people who have significant wealth?

I already have substantial assets and am doing quite well financially – I think. Can you help me?

What is “Fee-Only” financial planning and why should it be important to me?

Fee-Only financial planners are paid only by their clients. They never receive any commissions, sales incentives, bonuses or special perks paid by insurance companies or other financial service entities for selling their products. Cheryl Ober financial planning, as an office of Garrett Investment Advisors is a true Fee Only financial planning firm. Knowing this, you can approach us with the full knowledge that we will be bringing recommendations that are in your best interest only. You do not have to worry that we will need to “sell you something” in order to be paid for providing you advice.

How do I implement the recommendations you make for insurance or investments?

How do you price your financial planning services?

Our fees are based on the time we spend meeting with you, either in-person or over the phone, researching and analyzing your situation, and formulating our recommendations that are specific to your situation. Before you hire us, we will always provide you with a written quote of the full cost of the engagement. We fully disclose all of our fees. We offer an initial consultation, up to one hour, that is complimentary to prospective clients. Following the delivery of our financial plan, if you have questions or need clarification on anything we recommend, please feel free to give us a call. We will not bill for modest amounts of additional time spent during the 30-day period after we present our recommendations to you. We realize that our plan must be understood by you to secure the necessary emotional ownership required for full implementation.

What types of planning services do you offer?

What is your investment philosophy?

Do you provide investment advice without investment management?

Yes, we do. We are happy to provide investment advice and education if you have questions about your investments, but would like to continue to self-manage your portfolio. Part of the comprehensive financial planning process involves evaluation of risk tolerance, determining financial goals, and making investment recommendations.

Cheryl Ober Financial Planning does not offer asset management, but can refer you to a low cost, no load custodian such as Vanguard if you would like to self-manage your portfolio. Alternatively, we can recommend low cost investment managers who will provide ongoing investment management and portfolio re-balancing. These managers will work closely with us, utilizing a team approach in an ongoing fashion, to enhance the efficiency and effectiveness of your holistic plan.

Once my financial plan or project is finished, will our relationship end?

Because financial planning is a process, not an event, Cheryl Ober offers ongoing services, periodic reviews, and day-to-day consultation as requested and/or needed if you so desire. Contact us when you have a change that impacts your goals, and contact us annually for a checkup to keep your plan on track.

How can I get started?

Cheryl invites you to schedule a Get Acquainted meeting to find out if she is a good match for you. Please call us at 612-355-1275 or Contact Us to schedule an appointment. Start planning for what matters today!