Alliance of Comprehensive Planners Practice Fee-only Comprehensive Financial Planning

ACP: A Different Way of Doing Business

ACP members are innovators in retainer-based fee-only comprehensive financial planning. Through the ACP Success Programâ„¢ our members acquire the knowledge and tools that they need to give holistic financial advice to people from all income levels and all walks of life. We believe you shouldn't ever have to wonder whether you are receiving a recommendation because it's best for you, or best for your advisor. Transformation takes place in the context of relationships, not transactions. Ongoing, active client participation and integration of the client's finances, goals, and values leads to financial independence and peace of mind.

Scope of Services
ACP members are best known for offering an open retainer agreement. You pay one annual fee and receive ongoing access to your advisor throughout the year. This open communication is critical to achieving your financial goals.

When you are a retainer client, your advisor will review every aspect of your financial situation: taxes, investment portfolio and strategy, insurance, estate planning, goals, cash flow, money personality, special needs, and more. You'll receive recommendations that are integrated and appropriate to your situation. With ACP, clients come first.

The Comprehensive Planning Approach
Comprehensive financial planning can mean different things to different people. ACP financial planners assess your overall financial picture so they can better address your needs and goals. Working with an ACP fee-only financial planner ensures you have ongoing access to your advisor for one set rate. This also enables you to develop a relationship with your advisor, providing you with ample opportunity to reach your financial goals.

Below are a few considerations when looking for a comprehensive financial planner in determining just how "comprehensive" a planner truly is:

  • How much time is spent discussing your goals before recommendations are made?
  • What role does your advisor play in your income tax preparation?
  • Does your advisor review your estate planning, insurance, cash flow, recordkeeping, and income tax planning needs in addition to your investments?
  • Do you have to pay more if you need to contact your advisor between appointments, or if a change in your situation requires your plan to be updated?