Financial Planning for Everyday People
Guiding Millennials and Gen-X Professionals Toward Financial Independence
The Financial Industry Needs a Serious Overhaul of These Outdated Practices!
Did you know?
- The majority of “financial advisors” aren’t required
to be fiduciaries (meaning legally required to put
your best interests over their own).
- Out of that small minority of fiduciary advisors,
most of those require you to move your
accounts to allow that advisor to manage your
money, and they often have asset minimums
before they will even take you on as a client.
- Even when you find the comprehensive fiduciary advisor who doesn’t charge based on a % of assets, the flat fee is typically $6,000-$10,000 a year.
- Only about 1% of financial advisors are
“advice-only” meaning they don’t manage your
investments, but instead offer education and
guidance on how to be a DIY investor.
- Most of those advisors charge based on AUM
(Assets Under Management) where they take a
% of your assets as their fee (generally 0.75-
1.5%) and their main focus is strictly
investment management, not comprehensive
planning.
There is a better way for “everyday people” to get the financial guidance they deserve!
- I feel that the majority of people (especially in
their 20s, 30s, and 40s) don’t need someone
managing their investments.
- I think everyone deserves expert advice,
regardless of how much your net worth is,
without all the sales tactics and hidden fees.
- I believe that the majority of people can
become successful DIY investors, especially
with the occasional hourly check in with a
financial planner.
- And I think all of this is possible without costing you the higher fees that larger net worth individuals pay for advice.
- Most benefit more from hourly financial
advice, when the need arises.
Hi, I’m
Adam Coleman
My goal has always been to spread financial literacy and help those
that often can’t find trustworthy financial advice because they
don’t want to be manipulated by an insurance salesperson, they
don’t have the high net worth to get a financial advisor, or they just
can’t justify the high fees that most advisors charge. I’m a DIY
Investor myself and recently reached my financial independence
number, so I want to help others achieve similar goals and help take
away as much of that financial stress as possible.
I was born in 1981 so I’m bridging the gap between Gen X and Millennial. After getting my Finance degree from Florida State University in 2003, I have worked in many facets of the financial industry over the last 20 years, ranging from personal banking, commercial real estate consulting, residential mortgage lending, and financial counseling, and financial planning.
Millennials
who are:
- Saving for a new home
- Trying to figure out where their money is going
- Struggling with credit card debt
- Managing student loan debt
- Thinking about investing, but don’t know where to start
- Struggling with expenses even though they make good money
- Unsure of what they might be overlooking on their financial plan
- Wondering if they can ever retire
- Interested in “FIRE” (Financial Independence Retire Early)
Generation X
who are:
- Trying to determine if they are on track to retire
- Considering either upgrading or downsizing their home
- Worried they started saving too late in life
- Concerned about their estate plan
- Considering a sabbatical or career change
- Starting over after a divorce
- Thinking about buying a vacation home or investing in real estate
- Balancing their retirement savings and college savings for their kids
Who I Work with
My Planning Philosophy
- What ultimately matters most is that I am helping you achieve whatever goals you have set out, but I think it’s important to eliminate as many potential conflicts of interest as possible
Fee-Only
Flat-Fee
Fiduciary
Advice-Only
No Insurance or Annuity Sales Commissions That Can Create Major Conflicts of Interest
Simple and Transparent.
No Fees Based on a
% of Your Assets
Putting Your Financial Well-Being Above
Everything Else.
Your Best Interests Always Come First
Dedicated to Educating and Empowering
DIY Investors,
Not “Managing” Them
Tech-Enabled Human-Driven
Everyone, not just the wealthy, should have access to
professional advice and the tools that come with it.
RightCapital is one of the top financial planning
software available, and typically only available to
consumers working with an ongoing financial advisor.
Everyone who completes an hourly planning session
gets ongoing access, which will also make future
hourly sessions more productive and efficient.
- Track your net worth, budget, transactions, asset
allocations, retirement probability, savings rates,
financial goals, and much more.
- Two simple options with no hidden fees or ulterior motives
Pricing
Learn More
Full Financial Plan
Going far beyond the one-off hourly
sessions to tackle all of your financial
needs.
- 8 week engagement
- 4 hourly Zoom meetings
- Review of goals, budget, portfolio,
retirement plan, etc. - Full 20+ page financial plan
- 1-2 page financial plan summary
- Unlimited email correspondence
- Ongoing access to RightCapital
Starting at $3,000
- Check out my biweekly podcast with other industry experts as
we talk all about personal finance topics to help DIY Investors
Money & Mortgages Podcast