An independent second opinion on your investments — for a flat $295.
If you already have an advisor and you’re not sure they’re earning their fee — or you manage your own money and want an expert to check your work — a CFP® professional will give you an objective review of your investment portfolio and what you’re paying in fees.
A free 15-minute call first — no cost, no sales pitch. We’ll confirm the Second Opinion is the right fit before you pay anything.
A Second Opinion is for you if…
You have a financial advisor, but you’re not sure what you’re paying them — or whether you’re getting your money’s worth.
Your money is at a large national firm or brokerage, and you wonder whether the advice you get 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 one objective check before you commit to a plan.
A Second Opinion isn’t a sales meeting. It’s a paid, independent review by a CFP® professional — and you keep the detailed findings whether or not you ever work with us again.
What your $295 Second Opinion covers.
A CFP® professional gives your investment portfolio a full, independent review:
✓ Your holdings — a clear picture of what you actually own, and why.
✓ Your risk level — whether your portfolio’s risk matches your goals and your timeline.
✓ Your allocation — how your current mix compares to the allocation that’s right for you.
✓ Your fees — what you’re really paying in expense ratios and advisory costs, and whether it’s reasonable.
It’s all delivered in a personalized report you keep — regardless of whether you decide to work with us.
Free calculator, Second Opinion, or "Am I on Track?" — how they compare
Not every pre-retiree needs the full assessment. Here's how the three most common options stack up — so you can pick the one that actually fits 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-checking your investments and fees | Pre-retirees who want the complete picture |
| Price | Free | $295 | $590 |
Still not sure? We'll help you decide on your free discovery call — no cost, no pressure.
Simple, one-time pricing — $295.
The Second Opinion is a flat $295, paid once, when you decide to move forward. There’s no asset minimum, no ongoing commitment and nothing to cancel.
And if you choose to become a client within 30 days of receiving our recommendations, we credit the full $295 toward your financial planning or tax preparation service — so the review effectively pays for itself.
Frequently Asked Questions
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No. The Second Opinion is a paid, standalone review — not a sales meeting. You get the findings in a personalized report and keep them, whether or not you ever work with us again. If we're not a fit, we'll say so.
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Yes. $295 covers a CFP® professional's time to examine your actual holdings, risk level, allocation, and fees — and walk you through what they found. If the review surfaces even one overlooked fee or one holding that doesn't fit your goals, it typically pays for itself. And if you become a client within 30 days, we credit the full $295 toward your financial planning or tax preparation service.
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A CFP® professional. Every Second Opinion is prepared and delivered by a Certified Financial Planner™ professional — not passed to a junior analyst or a software report you read alone.
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Your current advisor is reviewing their own recommendations. A Second Opinion is independent — a different CFP® professional, with no stake in the portfolio you already hold, looking at it fresh.
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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. The Second Opinion is a standalone review. You keep your accounts where they are, and there's no obligation to change anything.
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Your current investment account statements — that's it. We'll tell you exactly what to send on your discovery call. From documents to walkthrough, plan on about two weeks.
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The Second Opinion focuses on your investment portfolio — holdings, risk, allocation, fees. "Am I on Track?" is a broader retirement readiness assessment that also covers cash flow, Social Security, taxes, and a 0–100 readiness score with a full roadmap. If your main question is "is my portfolio right?" choose Second Opinion. If it's "am I actually going to be okay in retirement?" choose Am I on Track?
30+
YEARS
Helping families navigate complex retirement decisions
FIDUCIARY
Legally required to put your interests first — throughout the relationship, not just at the point of sale.
TRANSPARENCY
Clear pricing, no hidden fees, no surprises.
PROPRIETARY PRODUCTS
No proprietary funds. No incentives to push them.
As Seen In
Get an objective read on where you really stand.
Book a free 15-minute discovery call. We’ll confirm the Second Opinion is the right fit, answer your questions, and tell you exactly what to send — no cost, no pressure.