FAQs — Copilot Financial

FAQs

Copilot Financial is a fee-only firm, meaning I get paid only by you, the client, not by selling any products or making any referrals to other providers all to earn a commission.
We are a fiduciary, so your interests are our first and our only concern. This means that if I recommend an insurance policy or a mutual fund to you or suggest you take some action, I’ve done so because I think it serves your needs the best, not because I am making money off of it.

No. To partner with Copilot Financial, there is no minimum requirement of assets to manage.

No. The introductory meeting is meant for us to get acquainted and see if we are a good fit together. There are no expectations of signing any contracts in this meeting.
In fact, it’s intentional that we rarely sign a contract during the first meeting to become a client. This is a long term relationship for the both of us that shouldn’t be rushed into.

Yes you can. You can cancel the relationship at any time. In fact you should cancel the relationship if we aren't delivering value. There is no termination cost.

Wherever you want! Copilot Financial does not hold or receive any of our client’s funds or securities, other than payment for the services. Our client’s assets will be held by a qualified custodian.
We use Charles Schwab however clients will ultimately make the final decision of the Custodian to be used to hold their investments.

It’s one-thing to document your plan on paper, it's another to stay on track and be held accountable. A financial advisor that acts in your best interest will help you stay accountable as well as free up your time to help with your financial decisions. Copilot Financial is in your corner looking out for your financial well-being to help you stay on track. Life evolves, changes and has seasons. So do your plans. Our goal is to partner alongside you to help give you confidence in your financial decisions and free up your time, helping to enable you to live a higher-quality and more confident life.
Whether it be the lack of time, skill or discipline, Copilot Financial helps you by doing the heavy-lifting, time-demanding research to provide objective advice that is personalized and aligned for your best interest to help you reach your goals.

Doing it yourself is like completing a never ending, always evolving home renovation. You’ll need to watch YouTube videos, filter and read articles on multiple websites, go through trial and error, etc. all in the hopes that doing it yourself will save money. This will likely:
1. take a lot of your free time
2. cause added stress/frustrations
3. result in missing things you didn’t know to look out for
You probably could do this, but it comes down to determining the best use of your time. We can’t go to your kid’s after school events or that weekend event or just simply spend time with the people you enjoy, but we can free up your time so you can be present making memories.
In addition, money is understandably emotional. It is really hard to make objective financial decisions when you are so close to the situation. It's become commonplace to hear news and receive information-overload about the market/finances and not know how or even what affects you. We partner with our members to be their copilot through the noise, fog and uncertainty to bring assurance and strengthen their confidence to send the message that you are on the right track.

Absolutely! I built Copilot Financial specifically with the intention of being virtually-based and the plan is always to be virtual. Technology enables us to work with clients from all over the country so we make it easier by meeting flexibly anywhere you have internet connection.

We are not a good fit for:

Day traders,
Investors who are more focused and concerned with short-term goals/results over long-term goals/results,
Folks who are looking for and value the cheapest option
Individuals who are not open to utilizing technology for communication or document sharing,
Folks who don’t value communication,
Ultimately, individuals who are not wanting to commit to putting in the effort to partner together by controlling what is within their control.

I want to partner with people for the long-term. For folks to know that I am right there beside them helping navigate through all the mountain tops and valleys of life.
Whether you are a first time investor or an experienced-seasoned investor, my goal is to provide and deliver an experience that continually grows and deepens your confidence about your financial health and spending time doing what you're passionate about. I want to help you get to the life that you want to live. I want to be your copilot!