Transparent, Fee-Only Financial Advice
At Borges Financial, we believe financial advice should be accessible, objective, and free from conflicts of interest. That’s why we operate on a simple hourly/flat fee model. Our approach ensures that you get the expert guidance you need, when you need it—without hidden fees or agendas.
Why Hourly/Flat Fee-Only Financial Advice?
We offer financial counsel on an as-needed basis, allowing you to pay for only the services you require based on your specific situation. This flexible structure empowers you to seek professional guidance that fits your preferences and needs. Whether that is a one-time engagement or an ongoing long-term planning relationship we meet you where you are.
Pay for What You Need: Whether you need advice on a specific financial issue or ongoing support, our fee structure is built around your needs. You’ll only be charged for the time spent on your unique situation.
No Product Sales: We do not sell financial products or manage your investments. This means you receive unbiased, fiduciary advice that’s solely in your best interest—always free from commissions or incentives to sell.
No Asset Minimums: Unlike many firms, we don’t require you to have a certain amount of investable assets to work with us. Our goal is to make professional financial advice accessible, no matter where you are on your financial journey.
Control Over Your Assets: You retain full control over your investments and financial decisions. Our role is to provide clear, actionable guidance to help you make informed choices about your finances.
Our hourly rate is $325. Initial planning engagements typically range from 10-30 hours depending on complexity and agreed upon scope.
Fiduciary Commitment
As a fee-only, fiduciary advisor, we are legally and ethically obligated to act in your best interest. Our advice is based solely on what benefits you—not us. By eliminating conflicts of interest, we’re able to offer advice that is aligned with your goals, not tied to products or commissions.
Get the Advice You Need When You Need It
Life doesn’t always follow a set schedule, and neither should your financial planning. Whether you’re navigating a major life event, planning for the future, or just need a financial check-up, we’re here when you need us. A good financial plan is never really finished. The planning process is dynamic and requires adjustments as life circumstances change. Many clients continue to engage our services for regular review meetings after their initial planning engagement is complete to help ensure they stay on track and take advantage of planning opportunities as they arise.