Cristina Guglielmetti| CFP®
Future Perfect Planning
- Fee-Only Financial Planning
- Financial Review
- Hourly Fee Consultations
- Retirement Planning
- Investment Management
- Tax Planning
- Estate Planning
- Insurance Services
- College Education Planning
- 401(k) and IRAs
- Business Planning
- Employee Benefits
Brooklyn, NY 11209
Fee-Only & Fiduciary
The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.
I’ve been involved in the financial services industry since 1997, and performing investment management and financial planning specifically since 2005. I earned the CFP ® designation in 2010, and have been helping clients manage their financial lives ever since.
I started Future Perfect Planning in 2015 to deliver flexible, independent financial planning to everyone, in the belief that reliable, sound financial advice is something everyone needs. Aggressive sales tactics, high minimums, and confusing fees have created the impression that there’s no one looking out for the next generation of investors and clients, so it’s time to change all that. I provide flexible, straightforward advice in a structure that fits your life and establishes a partnership to last for years to come.
I’m committed to showing young professionals how a partnership with an advisor can work for them, and how they have the tools and capability to take control of their finances. My aim is to educate, not just give advice or recommendations. Today‘s new graduates and young professionals are facing a very different financial landscape from their parents – much higher student loan debt, a nonstop stream of financial news, the memory of a crisis many families haven’t quite bounced back from – and so need a different kind of advisor.
Financial planning is sometimes thought of as something you have to do yourself – because advisors are “only for the rich” – or conversely, something you give up control over because it’s so complicated you can’t possibly understand it. But I think there’s a better way – developing a relationship with someone committed to being your steward and coach as your financial life unfolds.
Why is it important to work with a fee-only planner?
Financial advisors can be compensated in lots of different ways, and while it all seems similar, it makes a big difference in how the client-advisor relationship works:
Fee-only: the advisor earns her fee from the client only, either from hourly project-based fees, retainer fees or investment management fees (usually a percentage of the assets managed). No compensation is earned by selling any products, so the advisor has no incentive to recommend anything that doesn’t best fit the clients’ situation.
Fee-based/commission based: the advisor can earn fees as above, but are also allowed to earn commissions on selling products. This could potentially lead to a conflict of interest: is the advisor truly recommending the best course of action? Or is the potential for increased compensation muddying the water?