FAQ

What does a financial advisor do?

A financial advisor helps coordinate the important parts of your financial life. This can include investment management, retirement planning, risk management, and long-term financial strategy. At Shepherd Financial Advisors, we focus on understanding your goals first and building a personalized plan designed to support them over time.

Do I need a financial advisor?

Many people seek a financial advisor when their finances become more complex or when they want greater confidence in their decisions. An advisor can help bring clarity, structure, and long-term strategy to your investments, retirement planning, and major financial decisions.

When should you hire a financial advisor?

People often begin working with a financial advisor during major life or financial transitions. This might include approaching retirement, building significant savings, changing careers, receiving an inheritance, or simply wanting a coordinated financial plan. However, it is beneficial to start earlier so you can build a financial plan with an advisor and begin working toward the goals and values that matter most to you.

How much does a financial advisor cost?

Financial advisors may be compensated in different ways depending on the services provided. Compensation may include flat planning fees, advisory fees based on assets managed, commissions on certain financial products, or a combination of these. At Shepherd Financial Advisors, we offer all three depending on your needs. We believe transparency is important and discuss compensation clearly so clients understand how services are delivered.

What should I look for in a financial advisor?

When choosing a financial advisor, it’s important to find someone who takes the time to understand your goals and communicates clearly. A strong advisor relationship should focus on personalized planning, long-term guidance, and helping you make informed decisions about your financial future.

What happens during the first meeting with a financial advisor?

The first meeting is typically a discovery conversation. We focus on understanding your financial situation, goals, and concerns. This conversation helps determine whether working together makes sense and what the next steps might look like.

What types of clients do you typically work with?

Shepherd Financial Advisors works with individuals and families who want thoughtful financial planning and long-term investment guidance. Many clients come to us looking for a valued partner who can help simplify complex financial decisions and provide ongoing support.

Do financial advisors only manage investments?

Investment management is only one part of financial planning. A comprehensive financial approach can also include retirement planning, tax-aware strategies, insurance analysis, and long-term goal planning.

How often should I meet with my financial advisor?

Most clients meet with their advisor at least once a year to review progress and update their plan. Additional meetings can occur whenever there are significant life changes or financial decisions to discuss.

Can a financial advisor work with my CPA or attorney?

Yes. Financial planning often works best when advisors collaborate with other professionals such as CPAs and attorneys. Coordinating advice helps ensure that investment, tax, and estate planning strategies are aligned.

What is a financial plan?

A financial plan is a roadmap designed to help you pursue your goals. It connects your current financial situation with future objectives through coordinated strategies for saving, investing, retirement, and managing risk.

How do I get started with a financial advisor?

The first step is simply starting a conversation. At Shepherd Financial Advisors, we typically begin with a complimentary financial wellness check to learn about your goals, answer questions, and explore whether working together would be a good fit. If you'd like to get started, you can schedule a meeting using the button below.