Financial Advisor | Austin, TX | The Art of Finance | FAQs
The Art of Finance is a fee-based financial planning firm dedicated to helping creative minds negotiate the complexities of personal finance.
Financial Planner, Austin, Texas, Artist, Creative, Creativity, Actor, Dancer, Art of Finance, The Art of Finance, AoF, finance, money, personal finance, creative minds, ATX, TX, Capital
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Navigating the world of financial professionals is scary. We here at The Art of Finance are waging a war against confusing industry jargon, uncomfortable chairs, ugly ties and high pressure environments.  We are truly here for you!

+ Q: What do you mean by "Creative"? Do I have to be a professional artist to work with you?

A:We view the term “creative” to apply to people in many different careers. Certainly it applies to those with artistic sensibilities or professions: musicians, architects, performers, dancers. But it also applies to dreamers, visionaries, and people with “big ideas.”


The creative is an outside the box thinker that likes to challenge accepted norms. They love to express, are in touch with their emotional mind, and deeply value personal connection. Creatives are our type of people here at The Art of Finance.

+Q: I met another advisor that said I wouldn't have to pay him anything for his services. What did he mean by that?

A: In some financial advising firms, advisors will offer a simple, basic ‘plan’ to their clients in order to get them interested. At the end of the process, it’s often revealed that the advisor believes the client should buy a certain insurance or investment product. If the client buys this, the insurance or investment company pays the advisor (usually many thousands of dollars). If they don’t buy it, the rep has no reason to stick around. It’s a pretty bad model (well, maybe not for the advisor, but for you!).


It’s for this reason we are up front and transparent about our fees. You pay a fee and get a plan, not a pre-packaged product.

+Q: So, what do we talk about in the free initial consultation?

A: One phone call just isn’t enough to get into the meat of your financial questions or goals. So, we’ll take this time for you and us to see if The Art of Finance is a good fit for you and your needs. Think of it as a two-way interview.

+Q: Some companies online offer index funds for really cheap. Why should I hire you when I can get that for so little cost?

A: It’s true, technology has made certain types of investments and index funds drop in cost over the past few decades. Prices for index funds (and their cousins) have become very affordable.


But what you don’t get from those services is a coach, a guide, or a plan. You won’t get advice on things like debt management, retirement projections, or buying an investment property. Instead, you’ll just get an investment product. And that’s not a bad thing.


We at The Art of Finance actually use instruments like index funds and ETFs with some of our clients if it makes sense within their portfolio. Their low cost and efficient nature make them worth considering in many situations.

+ Q: Isn't every 'financial planner' a CFP®?

A: No! As crazy as it may sound, anybody can call themselves a financial planner (or financial advisor). Most financial advisors are not CFPs®. Instead they are actually just insurance agents, brokers, or investment advisors. The CFP® designation is the most difficult and comprehensive certification in the industry, covering over 100 topics including stocks, bonds, taxes, insurance, and few financial advisors can claim it. To be a CFP® recipient is to achieve the highest standard.

+ Q: Why do you always put the ® and ™ when you talk about the CFP®? We get it! That's annoying!

A: Unlike many other designations (for example the CIC, ChFC, CFS, CIMA, etc.), CFP® is a closely regulated and guarded trademark of the CFP® board. In addition to very strict ethical, experience, and education requirements, the Board requires any use of the logo be accompanied by the appropriate trademark symbol.

+Q: Do I need to have a bunch of money to work with you?

A: No, you don’t. We got tired of the traditional financial advising model. It’s built around the premise that advisors charge based upon investment account size. Well, what if you don’t have investments, or even worse, have lots of debt? In the traditional way of doing things it’s “Sorry, Charlie,” and you’re shown the door.


That’s why we’re so excited about our fee-only planning model. It allows people in any stage of life to get their questions answered. You don’t have to wait until you’re debt free or get a huge raise. You can start now. All you really need is an income and a belief that financial planning really can work for you. We’ll help you with the rest.

+Q: What should I do if I can’t afford to hire you, but really need you?

A:  Fill out the initial consultation survey anyway. We’ll make sure you end up with some great resources and options that are comfortably within your budget.

+Q: Do you work with people outside of Austin?

A: Absolutely! Thanks to terrific video conferencing technology, we have clients in France, New York, Mexico, and more!