A model that actually makes sense.
Doing What We Say And Saying What We Mean.
When we say we’re committed to your best interests – to serving you, not some insurance company or stockbroker – we mean it.
When we say we hate commissions and high-pressure sales tactics – WE MEAN IT.
Let’s break it down.
“Fee-only” and “fiduciary” are the two most important of the ten questions you should ask every “financial advisor.” We wouldn’t let our mothers work with an “advisor” who isn’t a fee-only fiduciary, and neither should you!
Fee-Only means that we get paid by you – and only you. It means we don’t accept commissions from anyone, at any time, for any reason. As such, the advice we give isn’t tainted by outside influences.
In order to confuse consumers, the financial services industry invented the term “fee-based,” which actually means “fee plus commission.” And if you ever meet an “advisor” that claims to “work for free” – don’t walk, RUN!
Remember: Only fee-only. ONLY.
Fiduciary means we’re required by law to act in your best interest. Although every “advisor” claims they will act in your best interest, not all are required to.
Stockbrokers, insurance salespeople, and countless other “advisors” are NOT fiduciaries. They’re free to sell you high-fee, high-commission products when something cheaper (or nothing at all!) would be in your best interest.
You should require a signed fiduciary oath from anyone claiming to give you financial advice. We post one publicly, and sign a copy within every client agreement.
Unfortunately, we’ve heard of salespeople claiming to be fee-only and/or fiduciaries when they’re not.
For detailed instructions on how to verify these claims, download our free guide:
10 Questions You Should Ask Every “Financial Advisor”
Not sure who to trust? We get it. There are plenty of great advisors out there – and just as many wolves in sheep’s clothing. Let us pull back the curtain and reveal the best way to screen a financial advisor.
Email Address ( 10 Questions You Should Ask…)
We hate SPAM as much as you do. We won’t share or sell your email, and our unsubscribe link *actually* works!
Pricing
Industry goliaths have worked hard over the years to obfuscate their compensation, conceal their conflicts of interest, and confuse the public about investments, insurance, and retirement planning.
We at Downshift Financial believe that you deserve transparency, simplicity, and fiduciary duty. That’s why our services are only offered flat rate and commission free.
$2,000 per quarter flat fee.
How much does our flat fee save you?
Move the slider closest to your total investments to update the chart below.
Commissioned Salesperson
Downshift Financial
Transparent Compensation
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Fee-Only
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Sources of Compensation
Commissions paid by third parties.
Fee as a percentage of your investments + commissions paid by third parties.
Flat fee-only
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$2,500
$2,000
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Low Cost, Tax Efficient, Passive Index Investing
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Net Worth Assessments
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SHIFT Process
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Tax Minimization Planning
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Retirement, Semi-Retirement, & Social Security Analysis
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Charitable Giving & QCD Planning
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✓
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Property & Casualty Insurance Reviews
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Debt & Refinance Analysis
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Education Planning
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Healthcare Planning
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Credit Report Reviews
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✓
Cyber Security & Identity Theft Coaching
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