Questions

Answers

 FAQs

Should I work with Vox?

  • It depends! You can always explore working together and decide when it feels right.

    Ours fees make sense for those making around $200k of household income, or around $500k of investments, OR a combo of the two.

    When it comes to working with a financial planner, trust your gut. If we aren’t a good fit, that’s okay! There are lots of good planners out there and one is bound to be the perfect fit.

  • Well, maybe you should work with them! Idk. Until we connect, it’s hard to know for certain.

    We’re not a good fit for everyone, but for the clients we do work with, we are great match. Finding a good advisor is hard but when you do, you’ll know. Hang in there :)

  • No! We don’t have those pesky “asset minimums” of other firms. A lot of our clients have their wealth tied up at their company (401k, unvested stock options, etc). As long as you can pay our fee from your cashflow, you’re good :)

  • Jordan is a CERTIFIED FINANCIAL PLANNER™ with the CFP Board. Direct link Here.

    Click here to learn more on what the CFP® is and why it matters.

  • 100%. Clients should never wonder “are they telling me this to get a kickback.”

    We have structured our compensation (fee-only) so it doesn’t conflict with our relationships. You can even implement our suggestions on your own if you’d prefer. It doesn’t matter to us. We are paid for advice, not transactions.

    Membership: NAPFA & Fee Only

  • No! We do have several in-house attorneys as clients, but all are welcome.

Working Together

  • I am “fee-only” which means I’m paid directly and exclusively by my clients, just as you would pay a CPA or attorney for their work.

    The financial planning vocation is young and there are many “sales guys”, but a vocation is blossoming, albeit slowly. Fee-only and the CFP® are marks of professionals in our domain.

  • Yes, you can cancel at any time. Our clients pay on a quarterly basis, so we will refund you for the remaining part of the quarter.

  • Essentially, anything that touches your finances is something we will discuss together, including (but not limited to):

    • Retirement: Are you on track? What does financial independence look like for you, even beyond the numbers?

    • Life Planning: What does your ideal life look like? Everything hinges on this.

    • Tax Planning: This is a biggee. Let’s make the most tax efficient decisions in all our planning (what’s the point of saving a bunch to pay more in taxes? That’s laaaaame.)

    • Insurance: What do you need or not need? Are you carrying too much/little coverage?

    • Emergency Savings: Life happens, let’s make sure you’re covered.

    • Estate Planning: Let’s figure out what’s you want to have happen and coordinate with your attorney on implementation.

    • Real Estate and Home Buying: Can you and should you? Let’s find out.

    • Your Compensation: Are you getting the market rate? Could you get more? Should you make a move?

    • Stock Compensation (both tax and investment decisions)

  • We don’t file your taxes or draft legal documents, but we work closely with your CPA and attorney in the process.

    Because we are intimately connected to your financial picture, we can often spot an issue before it’s a problem, such as missing a Roth conversion on taxes or an asset isn’t listed in the estate documents.

    And tax professionals, like CPAs, are usually looking at last years returns exclusively. We are focused on the future, lowering your lifetime tax bill.

  • Absolutely! We work with many wonderful professionals and can introduce you as needed. Whether it’s mortgages, insurance, CPAs, estate attorneys, we can connect you.

  • Of course! While we are located in Edmond, OK, we are entirely virtual! :)

DIY & Others

  • If you have the time to learn the nuances of financial planning, you are more than capable of doing it on your own. The question is do you have the time? If so, here are a few resources that could help:

    • Stock Option Planning: Consider Your Options is the go to resource to plan on your own.

    • Investing: The founder of Vanguard wrote a handy book on the topic.

    • General Finance Topics: Ramit Sethi’s book is a great resource if you are just starting to look over these subjects.

  • Look for the three Cs: Competency, Care, and Compensation. Do they have the credentials to advise in the domain of financial planning (CFP®, CFA, PFS, etc) or just a license to sell products? Do they have a “duty to care,” meaning are they a fiduciary? And how are they paid? If they are paid based on outcome of the advice they give, such as receiving a commission if you purchase a product, there is an inherent influence on their advice. Tread lightly. They are human and it’s easy cave in to the lowest common denominator.

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