Why do I have two phone calls and a verbal document review at no cost or obligation?
I follow the Fiduciary Standard - work only in clients' best interests. Means I can not properly begin a Fiduciary-level client relationship until I understand how my work might benefit your specific situation. I can only begin my understanding by speaking with you (both spouses if married) about your values & goals and reviewing your documents. Otherwise, it's not a Fiduciary-level financial planning process.
Why don't I do a free written second opinion?
Answer: It's important to be cost-effective as well as financially transparent and sustainable.
The following is my professional opinion. Other financial professionals might also use the Fiduciary Standard and operate differently. A "no-cost no-obligation" written second opinion might - or might not - be a template, model, algorithm or boilerplate. Which might take little time or expertise to prepare. A fiduciary-level review of your documents and facts done by a CFP® (Certified Financial PlannerTM Practitioner) or other competent financial planning professional takes time, effort and attention. If not paid for separately, then the cost might be "bundled" - transparently or not - with other services that could - might - end up overcharging you from the perspective of a competitive marketplace.
Why don't I require clients to give me 100% of the assets?
Short Answer: It might not be only in clients' best' interests (Fiduciary Standard) to do so.
If something is already working properly - maybe even a "Best Practice," from both my professional opinion and the clients' views, that means I can not make a significant improvement. If I can't make a significant improvement, then the transition / "friction" of a change might not be in the clients' best interests - not fiduciary