The Mission of Beckham Financial is to give clients clarity and confidence in their financial plans through expertise and excellent customer service.

Yes. As a CFP® professional, any non-public personal information about any prospective, current, or former client must be kept confidential. Full details on the confidentiality and privacy requirements can be found in the CFP Board's Code of Ethics.

Yes. Beckham Financial has a Fiduciary duty to all clients, meaning all advice given and actions taken will be done in their best interests.

Both financial planners and investment advisors work to help clients make informed decisions about their financial lives.  Financial planners typically provide a wider range of services, including: saving and investing, budgeting, retirement planning, tax planning, and estate planning.  Investment advisors typically provide advice relating to investments and portfolio management only.

For people who are knowledgeable about finances and investing, it is possible to have a decent financial plan. For people who don’t know much about investing, it’s possible to read books, watch videos online, listen to financial news, and learn enough to get by. However, effectively managing your financial life is time-consuming, emotional, and often adds unnecessary mistakes, costs,  and stress to your life.  For most people, it is best to hire a professional.

No. The first meeting is a brief virtual meeting for you to learn more about Beckham Financial and to determine if we’re a good fit.

Beckham Financial is a fee-only firm, compensated solely by client fees for financial planning and investment management. Beckham Financial does not receive commissions or have ties to insurance companies, financial products, or banks. All advice is independent and free of conflicts. Full details on fees can be found here.

There are two fee models offering different service levels to meet each client's unique financial needs.  Beckham Financial typically works with clients who have money they want professionally managed as part of their overall financial plan, so the Assets Under Management (AUM) fee model is usually right for them.  Fees are paid quarterly from their investment accounts and financial planning is included in the fee. For clients that would prefer to pay a one-time fee for a financial plan with no investment management, or who do not have sufficient investable assets to manage, there is a Flat Fee option based on a percentage of the client’s income and net worth.  Full details on fees can be found here.

All investment accounts are held at Charles Schwab and held solely in the client's name(s). Beckham Financial never has custody of your money and is unable to move or withdraw money from your accounts without prior authorization.

Of course. You can change your mind at any time with no penalties. Your money is always your money and you are the one in charge. Prorated fees for that quarter would be refunded to you based on your date of cancellation.