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Frequently Asked Questions

FAQ

What separates you from other financial advisors?
Proper Money Management provides a unique blend of proficiency, insight, and openness. We craft personalized portfolios and develop tailored financial plans for each client. Additionally, we operate as a fee-based financial advisor, refraining from receiving any commissions or compensation from investment products.
What is a Fee-Based Financial Advisor?

Financial service firms that operate on a fee-based model are registered as investment advisors (RIAs) and are entrusted with a fiduciary duty to prioritize their clients' best interests. These firms typically hold dual licenses in insurance, enabling them to construct comprehensive financial plans. However, it's important to note that this dual licensing may introduce potential conflicts of interest. Clients, in such cases, are under no obligation to engage an advisor in both capacities, allowing them the flexibility to make choices that align with their preferences and priorities.

**This regulatory framework is governed by the overseeing bodies for Registered Investment Advisors (RIAs) and Investment Advisor Representatives (IARs).

Where are my investments held?
Client assets are held in custody with Charles Schwab & Co., Inc. We are only authorized to make transactions on your behalf in managing your account. Accounts are always viewable online along with monthly statements.
How do I transfer assets to Proper Money Management from another advisor?
Just provide us with a most recent statement from that advisor. We'll set up your new account and transfer the assets.

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