• As a fiduciary, I’ve legally sworn to always place the interest of the client (you) ahead of my own.

  • An advice-only advisor is compensated solely on offering planning recommendations on all areas of financial planning - without any asset management. You can choose where your investments are custodied - either Schwab/Fidelity/ETrade or your custodian of choice.

    A fee-only advisor is not compensated through selling any financial product, rather they’re paid for their services - recommendations and planning advice.

  • I do not sell any products - insurance, annuities or mutual funds and am not affiliated with a broker/dealer. I will purely make recommendations and assist in executing your plan

  • From the time the agreement is signed, there would be 3-5 meetings along with client intake process over 4-6 weeks. A financial plan will typically take 6 weeks for completion.

  • You’re welcome to engage with us on a specific planning area that may need immediate attention. Based on the scope of work, you will be offered an estimate on hours involved.

    1. I'm a Certified Financial Planner - one of the most respected and credible designation focused on all aspects of financial planning and have proven their mettle through the lens of Ethics, Education, Exam and Experience.

    2. As a fiduciary , I put my client’s interest ahead of my own.

    3. FWJ Planning is registered as an Investment Advisor in NC and I'm licensed as an Investment Adviser Representative.

    4. As a Tax Professional and Enrolled Agent, I'm uniquely qualified to view planning areas from a Tax-Optimization lens.

    5. Lastly, my lived experiences - coming to this country on my own, building a base from scratch, raising a family in the US, managing career pivots and thriving in a sandwiched generation : illustrate that I’ve been in your shoes.

  • FWJ Planning also offers Project Based Planning at an Hourly rate of $200 with a 3 hour minimum for new clients. This could apply to when you have Student Loans, are evaluating a big financial decision or simply want to plan for retirement or legacy.

  • We use planning software and secure portals for data exchange. File Exchange portal has a patented encryption key management technology that gives each individual item a user shares its own set of keys. It also uses strong SSL/TLS encryption, HTTP strict transport security and perfect forward secrecy to protect your' data.