A Few Words
About us
Practical Financial Advice You Can Count on
You want to do your best for your financial future...but could use a little guidance?
Now I Have a Plan is owned by Southern Financial Advisers, LLC in Boerne, TX. Our mission is to provide financial advice to those who could use it most…without regard to how rich they already are. We don’t sell any products, charge you an annual fee to keep your “assets under management” . We charge a very reasonable flat hourly rate, with some basic, simple choices to help answer your common questions on your personal finances. See our Firm Disclosure below (Form ADV Pt. 2)
Tim Bryant’s experience in financial services spans over 30 years. He worked in the property and casualty insurance claims industry for 18 years. He served with the US Department of the Treasury for the IRS and as a Bank Examiner for the Office of the Comptroller of the Currency (OCC). He was a Director of Risk Management for USAA Bank. He has obtained an Executive MBA from the University of Texas, San Antonio, where he currently teaches finance to undergraduates. He earned the CFP ® designation in 2006. All of this real world experience helps inform the best advice for your financial goals.
A Fiduciary financial Advisor is the recommended choice.
The benefits of fee-only include transparency, no hidden charges, and no conflicts of interest to sell a certain product line or company offering. Since fee-only advisors do not sell commission-based products, receive referral fees, or other forms of compensation, the potential for conflicts of interest is limited. For this reason, many recommend that you only work with a fee-compensated advisor. In addition, an advisor is usually a fiduciary when they charge a fee for planning services and/or they are investing money for an advisory account; as a result, they are legally required to always act in the best interest of their clients, and to disclose anything that might smack of impropriety. Registered Investment Advisors (RIAs) and certified financial planners (CFPs) both swear to act as fiduciaries, for example.
Financial advisers typically charge fees called “Assets Under Management” (AUM) based on how much money you have with their firm. We don’t!
The industry average is around 1% of AUM per year, although some firms can go up to 2% or more per year. We don’t place your assets “under management”. A major difference between NIHP and other advisers. You should keep your hard earned money in your account…so it can grow.
Financial advice isn’t just for the wealthy.
In fact, the right guidance early in your financial life can have the biggest impact on your long-term success. Many financial advisors, however, aren’t interested in working with the middle class. We believe you deserve simple financial advice at an affordable price. We have based our business on it!
Become a member today!
See how affordable and easy it is to get simple Financial Advice !
We believe in simple processes. Click the button to see how to become a member and allow us to provide you our services. In just a few steps, you can obtain simple financial advice on your investments and goals. You will be able to have piece of mind knowing “Now I Have a Plan”! If you want more advice and full financial planning features, we can do that too!