An independent second opinion on your investments for a flat $295
Not sure if your advisor is earning what you pay—or managing your own money and want a second set of eyes? Have a CFP® professional review your portfolio, risk, and costs—all at a flat fee.
On this free 15-minute call, we’ll confirm our Second Opinion service is the right fit before you commit.
Your risk number
More risk than you think
Your portfolio sits above your comfort level.
Portfolio allocation
What you're paying
1.42%
All-in today
1.0%
Possible
Second Opinion ($295 portfolio review)
You’ve built your portfolio over years—maybe even decades—whether with an advisor or on your own. On most days, you feel okay about where things stand. Every so often, though, doubt creeps in: Am I paying too much? Is this still the right mix for where I am now? Would someone with no stake in selling me something spot a missed opportunity?
Our Second Opinion service provides that unbiased read: one CFP® professional, a few hundred dollars, and an honest answer with no commitments, sales pitch, or obligation to work with us afterward.
A Second Opinion is right for you if…
You have a financial advisor but aren’t exactly sure what you're paying or whether you're getting your money's worth.
Your money is at a large national firm or brokerage, leaving you questioning whether their advice is truly independent.
You manage your own investments and want a professional to confirm you haven't missed anything.
You're approaching retirement and want an objective double-check before you commit to a plan.
Second Opinion isn’t a sales meeting but a paid, independent review by a CFP® professional. You’ll keep our detailed findings whether or not you ever work with us again.
What our $295 Second Opinion covers
A CFP® professional will provide a full, independent review of your investment portfolio including your:
Holdings A clear picture of what you actually own and why
Risk level Whether your portfolio's risk matches your goals and timeline
Allocation How your current mix compares to the best allocation for you
Fees What you're really paying in expense ratios and advisory costs (and whether it's reasonable)
How our free calculator, Second Opinion, and "Am I on Track?" compare
Not every pre-retiree needs a full assessment. Here's how the three most common options stack up so you can choose the best fit for your situation.
| Free retirement calculator | Second Opinion$295 | Am I on Track?$590Learn more → | |
|---|---|---|---|
| Who does the work | An algorithm | A CFP® professional | A CFP® professional |
| Investment portfolio review | — | ✓ | ✓ |
| Fee analysis | — | ✓ | ✓ |
| Tax return review | — | — | ✓ |
| Social Security optimization | — | — | ✓ |
| Cash flow & gap analysis | — | — | ✓ |
| 0–100 retirement readiness score | Probability estimate | — | ✓ |
| Retirement roadmap | — | — | ✓ |
| Personalized walkthrough | — | ✓ | ✓ |
| Time to complete | Minutes | About one week | About two weeks |
| Best for | A rough gut-check | Sanity regarding your investments and fees | Pre-retirees who want the complete picture |
| Price | Free | $295 | $590 |
Still not sure? We'll help you decide on our free discovery call—no cost, no pressure.
Book your free discovery call.
On this free 15-minute call with a CFP® professional, we'll confirm Second Opinion is the right fit, answer your questions, and tell you exactly which statements to send us.
We'll review your portfolio.
A CFP® professional will examine your actual holdings, risk level, allocation, and fees—looking for gaps, overlaps, and costs likely to drag down your returns.
We'll walk you through the findings.
In a personalized review session, your CFP® professional will explain what we found, answer your questions, and provide clear, specific recommendations.
You’ll keep our recommendations.
You’ll walk away with a detailed summary of our findings and next steps—yours to keep, with no pressure or ongoing obligation.
What to expect, from start to finish
Simple, one-time pricing
Second Opinion is a flat $295—paid once—with no asset minimum or ongoing commitment and nothing to cancel.
Should you choose to become a client within 30 days of receiving our recommendations, we’ll put the full $295 toward financial planning or tax preparation service so the review effectively pays for itself.
Meet the CFP® professionals behind every engagement.
You’re paired with a primary CFP® professional who knows you well, with the rest of the team as backup — so meetings stay on schedule and questions get answered promptly.
Paul Muller, AEP®, CFP®
Relationship Manager and Founder
Benjamin Stark, CFP®
Financial Advisor and
Director of Client Experience
Nicholas Taber, CFP®
Associate Financial Advisor
FAQs
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No. Second Opinion is a standalone review—not a sales meeting. You’ll receive our findings in a personalized report and keep them, whether or not you decide to work with us again. If we're not a fit, we'll say so.
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Yes. The $295 charge covers a CFP® professional's time to examine your actual holdings, risk level, allocation, and fees and walk you through findings. If the review surfaces even one overlooked fee or holding not aligned with your goals, it pays for itself. Should you become a client in the 30 days thereafter, we’ll put the full $295 toward financial planning or tax preparation service.
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A Certified Financial Planner™ (CFP®) professional will prepare and deliver your Second Opinion report, not passing along the work to a junior analyst or furnishing a software report for you to read alone.
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While your current advisor reviews his/her own recommendations, the independent nature of Second Opinion means a different CFP® professional with no stake in your existing portfolio will give it a fresh look.
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Yes. Many of our Second Opinion clients are DIY investors who want an experienced set of eyes on what they've built. You'll get an objective read on whether your risk, allocation, and costs match your goals—and where you might be exposed.
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No. Second Opinion is a standalone review, meaning you can keep your accounts where they are with no obligation to change anything.
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We'll tell you exactly what to send on your discovery call, but plan to provide your current investment account statements—that's it. The process will take about a week from the time you give us those to when we’ll walk you through our findings.
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While Second Opinion focuses on your investment portfolio—holdings, risk, allocation, and fees—Am I on Track? is a broader retirement readiness assessment also covering cash flow, Social Security, and taxes (providing a 0–100 readiness score with a full roadmap). If your primary question is "Is my portfolio right?" choose Second Opinion. If it's "Will I actually be okay in retirement?" go with Am I on Track?
Helping families navigate complex retirement decisions.
Legally required to put your interests first — throughout the relationship, not just at the point of sale.
Clear pricing, no hidden fees, no surprises.
No proprietary funds. No incentives to push them.
Ready when you are
An objective read on where you really stand
Book a free 15-minute discovery call. We’ll confirm if Second Opinion is the right fit, answer your questions, and tell you exactly what to send us—no cost, no pressure.
Schedule a FREE Discovery CallPrefer to call? 201-447-2212