Adam Coleman Financial Planning for Millennials and GenX

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Adam Coleman, AFC®

Financial Planning for Everyday People

Guiding Millennials and Gen-X Professionals Toward Financial Independence

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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

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

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.

In many cases, even those comprehensive fiduciary advisors don’t handle the common everyday struggles of paying down debt, creating a realistic spending plan, improving your credit scores, or focusing on the relationship you have with money so that long lasting habits are created

The Financial Industry Needs a Serious Overhaul of These Outdated Practices!

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) would benefit more from someone who is equal parts a financial planner, a financial coach, and a financial counselor.

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 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.

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Hi, I’m

Adam Coleman

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.

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 on track to reach financial independence before I’m 50, so I want to help others achieve similar goals and help take away as much of that financial stress as possible.

Adam Coleman financial planner financial coach financial advisor

Asian couples are worried about debt and expenses. Stressful

Why I want to help

Money is the main source of stress for 44% of people
65% of Americans say they live paycheck to paycheck
Housing Affordability is at the lowest in history
Only 44% of US adults can pay for an emergency expense of $1,000 or more from savings.
46% of Millennials and Gen X have more credit card debt than they do emergency savings
40% of Millennial households have student loan debt more than 40% of their income
The industry standard financial advisory fee is 1% of your assets which adds up significantly over time
Many financial advisors have high asset minimums preventing the majority of people from getting help
The majority of financial advisors are still paid by commissions on products sold, so it’s difficult to know if the advice you’re getting is honest
Most people are never taught any of this in school

Sources: 1, 2, 3, 4, 5, 6, 7, 8

Financial Advisor Discussing Financial Figures

Who I Work with

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

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

No Insurance or Annuity Sales Commissions That Can Create Major Conflicts of Interest

Flat-Fee

Simple and Transparent.

No Fees Based on a

% of Your Assets

Fiduciary

Putting Your Financial Well-Being Above

Everything Else.

Your Best Interests Always Come First

Advice-Only

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 free 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.