If you’ve ever thought about working with a financial professional but hesitated, you’re not alone.
Here’s what most people are really thinking when they start looking for help—and why those concerns are completely valid.
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Can I Trust This Person?
Let’s be honest—financial advice is personal. You’re sharing details about your income, savings, goals, and fears. Naturally, you want to work with someone who has your best interests in mind—not someone pushing products or chasing commissions.
That’s why choosing a CFP® who acts as a fiduciary is so important. It means we’re committed to putting your needs first.
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How Much Is This Going to Cost Me?
Money conversations can be awkward—especially when you’re not sure what you’re paying for. People often worry that financial guidance will be expensive or unclear.
That’s why I take a straightforward, transparent approach. No hidden fees, just planning that aims to be cost-efficient and focused on your goals, whether that’s tax savings, benefit coordination or having a plan to move forward.
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Do They Get What I’m Dealing With?
Credentials matter. So does experience. You want someone who not only understands financial planning, but also understands you—your career path, your employee benefits, your family priorities.
I’ve spent over two decades helping professionals at companies like Merck and Bradford White. That experience can be helpful when reviewing your retirement plans, managing equity compensation or coordinating benefits with your spouse.
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Will I Still Be in Control?
One common concern is that working with an advisor means handing over the reins. But that’s not how it works.
A strong advisor relationship should feel collaborative—not controlling. You stay in charge, and I serve as your sounding board, helping you weigh the options and support confident decision making.
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Is This Going to Be Overwhelming?
Finance can be filled with jargon, charts, and acronyms. Many people worry they’ll feel embarrassed asking questions or that things will get too complex.
My job is to make things clear. Whether it’s a 30-minute chat or a full planning session, I focus on keepings things straightforward so you always know where you stand and what comes next.
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Is Now Even the Right Time?
Another common worry: “Do I have enough for this to even matter?”
The truth? Financial planning isn’t just for the ultra-wealthy. It’s for anyone who wants to be intentional with their money, maximize their opportunities, and reduce avoidable mistakes. Starting earlier often gives you more flexibility.
Final Thought: You’re Not Alone
If these worries sound familiar, that’s okay. They’re not signs you’re unprepared—they’re signs you’re thoughtful.
And if you ever want to talk through your options—whether you’re just starting out or already working with someone—I’m happy to be a resource.
Advisory services are offered through Apollon Financial, LLC (Apollon). Securities are offered through LPL Financial, Member FINRA/SIPC, a Registered Investment Adviser. Apollon and LPL are not affiliated.
