Certified Financial Planners are professionals that are trained and experienced in analyzing and advising on how to best improve the financial situation you are in.
Over time, your goals may change and evolve, and financial planning is an ongoing process of reevaluation and strategizing on how to best address your goals and objectives. This is best done in a comprehensive, holistic approach, which considers all aspects of your financial situation. Reaching each aspect, such as taxes, retirement, liquidity, investments, income and expenses, insurance, housing, leisure, estate planning, risk, and goals, aspirations, plans, hopes, and dreams.
Below is a list of ten recommended questions for any financial professional that you consider engaging along with answers and details about White Turf Financial.
1. What experience do you have?
Todd Moritz started working in public accounting and earned his CPA (Certified Public Accountant) license. He then entered the investment world, working at a hedge fund, and began working as a tax advisor, later transitioning into financial planning and investment management, earning his CFP (Certified Financial Planner) credential.
2. What are your qualifications?
Todd has a bachelors of science in business administration from Drake University, majoring in Finance and Accounting, as well as Management. He is a Certified Financial Planner, a Certified Public Accountant, and a Personal Financial Specialist. He also holds a series 7 and series 66 securities license.
3. What financial planning services do you offer?
4. What is your approach to financial planning?
White Turf believes each person is different and is in a different situation. What is right for one person may not be right for another, so personalization, and listening to each individuals concerns and needs is vital. The next focus is on realistic implementation. We all know we should save more and spend less, but much like a new year’s resolution, it is only as good as what actually gets done. Understanding the person behind the numbers, and the feelings each person has are central to ensuring proper advice is rendered.
5. What types of clients do you typically work with?
At White Turf Financial, the range of clients includes all types, backgrounds, income levels, and professions. The majority of our clients are about to enter, or have just experienced some sort of life transition. For some, that is planning for their future, starting a family, a career, for others, it is transitioning from working life, to retirement.
6. Will you be the only financial planner working with me?
Todd Moritz will be the person you communicate with at each meeting, review, service call, and conversation. You will directly communicate with him and may think of him as your personal CFO.
7. How will I pay for your financial planning services?
For investment accounts, the cost of services will be directly debited from the account under management. For monthly, or one time engagements, payment will be determined before any work is completed and will be paid either by check or credit card, with credit card processing occurring through a secure, third party vendor.
8. How much do you typically charge?
9. Do others stand to gain from the financial advice you give me?
As a fiduciary, your best interest are put first and foremost. We are a fee-only organization, so there are no commissions, kick-backs, or other compensations that White Turf will receive from the advice that is given to any clients.
10. Have you ever been publicly disciplined for any unlawful or unethical actions in your career?
No. Straight and simple, no.