Disclosures Required by the CERTIFIED FINANCIAL PLANNER™ BOARD OF STANDARDS, INC.
When you select CollegeMoneyCoach for advice, even for a very limited engagement, the breadth and depth of our discussion constitutes financial planning. As a CERTIFIED FINANCIAL PLANNER™ professional, I adhere to the CFP Board's Standards of Professional Conduct, including the duty of care of a fiduciary: a duty to act in your best interest and to put your interests ahead of my own. The Standards of Professional Conduct require that I define the scope of the engagement, disclose any conflicts of interest, and provide details of my compensation.
I am a Fee-Only planner – all my compensation comes from clients in the form of fixed, flat or hourly fees. I receive no commissions, bonuses, or kickbacks from financial service providers.
Conflicts of Interest:
I will inform you of any potential conflicts of interest in our relationship. There are no limitations placed by others on the advice I am able to give you. You will work with me only; I do not subcontract to other advisors.
Cost of services:
The only cost to you is the fee stated in the engagement letter.
If you are not 100% satisfied with the services rendered, and if I am unable to remedy the complaint to your satisfaction, I will immediately refund the fee paid. The refund of any fees will immediately terminate the agreement.
All written content on this site is for informational purposes only. Opinions expressed herein are solely those of David Beck, CFP®. Material presented is believed to be from reliable sources while no representation is made as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser(s) prior to implementation.
Financial planning and investment advisory services are offered by BAPlan LLC., a Registered Investment Advisor in the state of California. Any communication relating to investment securities is strictly intended for individuals residing in the State of California where BAPlan LLC is licensed. No engagement totaling over $500 may be made or accepted from any resident outside of California.
Information concerning the licensing status or disciplinary history of an Investment Advisor or representative is available on the Internet at www.adviserinfo.sec.gov. You can search this site by the unique identifying CRD number for Bay Area Planners: 144665.