Who We Are
Our goal is to form long-term, fiduciary relationships with our clients in order to create, implement, and manage holistic financial plans on an ongoing, proactive basis. We seek to minimize client expenses and to eliminate all conflicts of interest between our clients and ourselves. Trust is the central element in the client/advisor relationship. By working with clients on a continuous basis and eliminating all conflicts of interest, our clients can be certain that we have only their best interests in mind. We have proven to be a reliable and trustworthy fiduciary financial advisor.
What Makes Us Different?
There are two factors that distinguish Merrithew & Thorsten, Inc. from the bulk of the financial planning/brokerage industry: our fee-only compensation system and our holistic approach.
A fee-only compensation structure is essential in ensuring that a financial advisor is thinking only of the client’s best interests. We are compensated for our services through an annual retainer fee. Our clients know, up front, how much they will be billed and what services they will receive. There are never any hidden charges or added costs.
We have no products to sell – only our services. We do not sell stocks, bonds, mutual funds, or insurance. We earn no commissions whatsoever. We have nothing to gain through our recommendations other than our clients’ satisfaction. Again, there are no conflicts of interest. As a financial advisor company, we just look forward to offering reliable advice that proves helpful.
Our holistic approach ensures that our clients’ financial plans are complete and integrated. It is not sufficient to have only a well-structured investment plan. Investment decisions must take into account careful tax planning as well as estate and insurance planning. All of our recommendations take into consideration the effect that they will have on all other aspects of our clients’ financial lives. In addition to a complete, integrated plan, we work with our clients on an on-going basis to proactively manage that plan. A financial plan is not static. A financial plan should not be a one-time, hardbound snap-shot. A true financial plan is dynamic. It is constantly evolving.
Our Team
Our Services
Retirement
Planning
Long before retirement even hits our radars, we’re planning what type of education, skills training and professional designations we’ll acquire. We also spend a lot of time planning which industries are the best place to work in, and which employers to work for. Once employed, we carefully...
Estate
Planning
For some people, financial planning is mainly concerned with how best to go about building a nest egg, and how to make it last through retirement. But for many, there is a desire to ensure their estate delivers benefits beyond their own retirement, and produces a lasting legacy even after they have...
Financial
Planning
Many individuals confuse financial planning with general savings and investing advice when they choose a financial advisor firms like us. While how to save (and how much!), and where and when to invest those savings, is every bit important, prudent Financial Planning goes much beyond the realm of just saving and investing. The sooner you understand...
Investment
Planning
While many of us don’t realize it, we are constantly engaged in subconscious acts of investment planning. We plan how we can best invest the limited time we have at our disposal. We also work as business financial advisor. Would the 2 hours we have best be spent visiting a friend at the hospital, or would it be better invested, say, by taking…
Fee-Only Insights
How Can We Help?
Find out how we can help you reach your financial freedom.
858-547-1845
info@fee-only-planner.com
9820 Willow Creek Road
Suite 200 San Diego CA 92131