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Frequently asked questions


How do I get started?


Why should I work with TCM Wealth Advisors?


What does "Fee-Only" mean and why should I work with a "Fee-Only" financial advisory firm?


What's the difference between "Fee-Only" and "Fee-Based" financial advice?


What is a fiduciary?  Is TCM a fiduciary FIRM?


What is the CERTIFIED FINANCIAL PLANNER™ certification and why should i work with a certified financial PLANNER™?


What is a *Registered Investment Advisor?


How is tcm compensated?


Are the fees I pay for your services tax deductible?


Do you offer tax or legal advice? 


Do you earn a commission by selling life insurance or annuities?


Are you a licensed insurance agent with a life insurance company or agency? 


How is TCM Wealth Advisors different from a brokerage firm like Merrill Lynch, Raymond James or other brokerage firms?


Does TCM adhere to a fiduciary standard on behalf of its clients?


What is holistic financial planning?


Does TCM only provide comprehensive financial planning?


How long has TCM Wealth Advisors been in business?


How do you work with clients remotely?


In one sentence, what will TCM do for me as a client? 


Can clients keep their assets where they are and make investment management changes themselves?


What other costs besides an asset under management fee are involved when working with TCM Wealth Advisors?


How often will TCM Wealth Advisors review an investment portfolio?


How often will TCM Wealth Advisors meet me after the initial investment and financial plan has been implemented?


What does ‘discretion’ mean?


Is a client obligated to stay with TCM Wealth Advisors for any specific period of time?


Is there a charge for an initial consultation?


Is there a minimum account size?


I’m in charge of the retirement plan and employee benefits at my company and would like to get more employees to participate in the plan. How can you help us?


important Questions you should ask before deciding to work with a financial advisor:


What if I have a question that's not on this list?


*Any references to TCM Wealth Advisors as a registered investment adviser or its related persons as registered advisory representatives does not imply a certain level of skill or training.