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Why Basepoint Wealth?

Your Unique Journey.


Why Basepoint Wealth?

Comprehensive Advice

Portfolio performance is only one part of the wealth puzzle.  Often, the decisions that you make on social security, debt, insurance, taxes, or a pension election can have just as large of an impact on your wealth as your investment decisions.   We work with you to develop a plan that sets you on your own unique path to success, but is flexible enough to adapt to changes in your life when and how they occur.  Almost all life events bring new financial challenges and opportunities, so you need financial strategies that evolve to keep up, and an advisor who can help you prioritize appropriately. 

Fee-Only, Not Fee-Based

It can be easy to confuse the two terms, especially as more firms push to jump on the "fee" bandwagon and its implied adherence to a Fiduciary relationship with you, the client.  Advisors at Basepoint Wealth are "fee only".  What's the difference? Read on.

With a fee-based advisor, you may be charged an advisory fee on some of your assets, where the advisor must act as a fiduciary while advising on those assets, while the advisor may collect sales commissions, 12b-1 fees, or other hidden compensation on other products.  You'll need to question  a fee-based advisor to determine which recommendations are being made as a Fiduciary (best interest), and which are simply held to the much lower "suitability" standard.

A fee-only advisor is compensated only by fees that are transparent and disclosed to you, and nothing else.  Fees may be charged as a percentage of assets, a flat rate, or an hourly rate depending upon the circumstances.  A fee-only advisor acts as a Fiduciary at all times, on all advice, meaning recommendations and advice must always be in your "best interests" - a much higher standard than the suitability standard followed by most brokers and agents.

Basepoint Wealth advisors act under the "fee-only" fiduciary standard only.

Highly Qualified Professionals

Basepoint Wealth employs highly qualified professionals to assist you with your needs.   All of our advisors are CERTIFIED FINANCIAL PLANNER™ (CFP®) professionals or Chartered Financial Consultants (ChFC®), with a CPA/PFS serving as our Director of Wealth Management.   With this level of expertise, knowledge and training supporting you, you can feel confident in the advice that you receive and the actions that you take.

The CFP® Certification Examination is designed to assess advisors/planners’ ability to integrate and apply a broad base of financial planning knowledge in the context of real life financial planning situations. CERTIFIED FINANCIAL PLANNERS™ must go through extensive training and are tested on 8 general financial planning areas, including:

  • Investment Planning
  • Tax Planning
  • Retirement Savings and Income Planning
  • Estate Planning
  • Risk Management and Insurance Planning
  • Education Planning
  • General Planning Principles
  • Professional Conduct and Regulation

Once certified, CFP® professionals are held to high ethical standards. And because they understand the complexities of an ever-changing financial landscape, they’ll make financial planning recommendations that are in your best interest.