A Smarter Choice

Hourly, As-Needed Financial Planning and Advice
The new choice for smart consumers™

Laura Scharr-Bykowsky is a member of The Garret Planning Network, Inc. which is an international network of professional fee-only financial advisors and planners offering hourly, as-needed financial planning and advice to anyone regardless of income. The members are dedicated to providing competent, objective financial advice. The network has been profiled hundreds of times in major periodicals, on the web, radio and television.

Experience the difference

Paying for financial advice on an hourly basis is a growing trend in the United States. Its popularity has grown because:

Consumers want objective advice and don’t want to feel pressured to buy products or worry about being sold products with large sales loads or hidden costs.
Computer technology and the flexibility and low cost of discount brokerages make it easier for consumers to manage their own money.

The benefits of this approach include:

Attention to all areas of your financial life that affect you throughout life’s stages.
Primary focus on your unique goals and objectives.
No sales pressure, no minimum net worth or account minimums.
Focus on low cost, no load investment products ensuring your money is really working for you.

What Makes Us Unique?

Clients are more engaged in the process.
Clients are educated every step of the way so that they are more informed
about everyday financial decisions.

How Our Financial Planning Process Works

Financial Planning Process:

What We Do For You:

How You Can Benefit The Most:

Initial Inquiry	Provide a brief description of our services and direct you to our web site to learn more.	Visiting this site is the first step to learn about what we offer! If you are interested in our services download and fill out our client questionnaire and contact us to schedule a complimentary “Get Acquainted” meeting.
Complimentary Get Acquainted Meeting	Discuss your goals and objectives. Provide a fee estimate based on the scope of services.	Discuss personal goals and financial needs and objectives as well as any areas of concern. If you decide to engage with us a client agreement form is signed with an initial deposit of the fee due at this time.
Data Gathering and Initial Preparation	Review data and begin to develop your financial plan.	Provide financial information. Provide clarification of data and refine goals as needed.
Analysis and Plan Formulation	Review the current situation and analyze several scenarios to determine a proposed scenario that best allows you to reach your goals.	Schedule presentation.
Financial Plan Presentation	Present and review your personal financial plan. Provide a written summary including observations and specific recommendations that meet your unique goals.	Plan approval. Full payment of the balance for actual fees incurred is due at the conclusion of the plan presentation meeting.
Plan Implementation And Follow Up	Provide detailed instructions for plan implementation and schedule follow-up meetings.	Take Action. Implement your plan and schedule semi-annual reviews with us to ensure that you are on target.

A Smarter Choice

Hourly, As-Needed Financial Planning and Advice The new choice for smart consumers™

Experience the difference

The benefits of this approach include:

What Makes Us Unique?

Hourly, As-Needed Financial Planning and Advice
The new choice for smart consumers™