Myth #1: I need to get my finances in order before working with an advisor.

Myth #2: I need to be wealthy.

If you want to get your finances in order and are not rich, then you are my perfect client! In fact, you are the perfect client for many of my colleagues at the XY Planning Network, a group of like-minded and fee-only financial planners serving Gen Y and Gen X across the country.

As you try to sort through new job benefits, mounting student loan debt or a savings plan for your first home, fee-only planners can be your biggest help. I help cut through the clutter and get you on your way to reach your financial goals, whatever they may be. I have a fiduciary responsibility to act in your best interest. Not mine. In addition, I do not accept any fees or compensation based on product sales. No pressure. No strings attached.

I also take pride in offering financial planning services at affordable rates. Here’s what I know: when I start my first job post-college, I wish I had a financial planner who could explain things to me. I had NO clue what I was doing with a salary or benefits. What box do I check? What are all of these taxes? What does 401(k) mean?

A common reality, however, is having hesitation about working with a financial planner because you feel embarrassed or ashamed about your current financial situation. I’m not going to tell you “don’t feel that way,” because hey, that’s how you feel! My job is to help alleviate some fear and help you a feel good about improving your financial picture by taking small steps and achieving one financial goal at a time.

So wherever you are in life, know that there are affordable financial planners, with a fidicuary responsibilty, here to help you.