Robert Lindstrom
CFP®, EA
Provision Financial Planning
Financial Advisor
Robert Lindstrom
CFP®, EA
Provision Financial Planning
Financial Advisor
We help clients overwhelmed by retirement planning confidently make better financial decisions so they can optimize their retirement plan, lower their taxes and improve their investments. - Robert Lindstrom, CFP®, EA
Fee-Only financial planner located in Towson, MD, serving clients locally and nationwide.
Robert Lindstrom is a CERTIFIED FINANCIAL PLANNER™ professional (CFP®), Enrolled Agent (EA), and founder of Provision Financial Planning, a Fee-Only financial planning firm. Provision Financial Planning focuses on guiding people to and through retirement using ongoing financial planning and investment management. Located in Towson MD, Provision works with clients in the greater Baltimore area, Birmingham, AL and Huntsville, AL. Provision Financial Planning works as a full-time fiduciary and never receives a commission of any kind.
Robert Lindstrom is a fee-only financial advisor at Provision Financial Planning located in Towson, MD.
Many life decisions are financial decisions, and financial decisions are life decisions. That’s why I enjoy working with clients at the intersection of retirement and taxes. I often assist people who are retiring early (before RMDs and Social Security), easing into retirement, are self-employed or solopreneurs, have been widowed or divorced or received an inheritance By collaboratively working together on an ongoing basis, we can regularly review your retirement income, make sure you’re not overpaying taxes and monitor your investments to be sure they align with your goals. We provide both financial planning and investment management services. While we don’t have any asset size minimums, we do have a minimum annual fee of $3,600.
In addition to the CERTIFIED FINANCIAL PLANNING™ designation (CFP®), I am a NAPFA-Registered Advisor. This means I must complete 60 hours of Continuing Education every two years. Since I am also an Enrolled Agent (highest credential the IRS awards), I must complete an additional 24 hours per year on tax Continuing Education. While there is some overlap, that's a lot of learning!
Earlier in my career, I worked in parts of the industry that required me to sell products for a commission. Needless to say, it wasn’t a good fit – and it’s why I eagerly founded Provision Financial Planning as a Fee-Only firm. The only compensation I receive is from my clients, which allows me to be a Fiduciary at all times. You would probably be shocked how few advisors can answer “yes” when asked if they are a Fiduciary at all times.
For more of a resume, click the LinkedIn icon at the top of the page.
Robert Lindstrom is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning
Retirement doesn’t just happen. It requires planning. But retirement planning can be intimidating. You just want to stop doing the things you don’t like and start spending time doing the things you’ve been putting off all these years. But you have a lot of decisions to make. Some of them are even irreversible. Google only provides conflicting answers. Worse, many “financial advisors” are nothing more than salespeople pushing their company’s products. Nobody wants to get sold something they don’t need.
Much like a guide, we can be your decision making partner. Since we’re Fee-Only, we don’t sell products for a commission and are Fiduciaries all the time, not just sometimes. The CFP and EA require at least 39 hours of continuing education per year. When you go to the doctor, you expect them to be competent. While we beleive relationships are crucial, you should expect your advisor to be competent as well.
Our ongoing and collaborative process begins with a One Page Plan before you decide to become a client so you can “test drive” working with us. Once you decide to become a client, we do a formal and comprehensive plan. Then we get going by implementing your plan and following a systematic service calendar so things don’t fall through the cracks. And don’t worry, there’s no cancellation fees so if for whatever reason we aren’t a good fit in the future we part ways as friends.
Now instead of second-guessing yourself, you can confidently make better decisions that optimize your retirement plan, lower your taxes and improve your investments.
You can retire confident, encouraged and satisfied instead of intimidated, worried and full of doubt.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Retirement Planning
- Comprehensive Financial Planning
- Tax Strategies
- Investment Management
Ideal Clients
- Retirement Focused
- Retiring early, or easing into retirement
- Solopreneurs
- Millionaire-Next-Door mindset
Working Together
- Virtual or In-Office Meetings
- No asset minimums
- Transparent Fees
- No Product Sales
Professional Designations & Affiliations
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Robert Lindstrom is a NAPFA-Registered Financial AdvisorThe National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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Robert Lindstrom is a Member of the XY Planning NetworkThe XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
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Robert Lindstrom is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for VerificationCFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Robert Lindstrom is an Enrolled Agent with the IRS (Learn More)An enrolled agent is a federally authorized tax practitioner empowered by the U.S. Department of the Treasury to represent taxpayers before the Internal Revenue Service. Enrolled agent status is the highest credential awarded by the IRS.
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Robert Lindstrom Contributes Articles Monthly to Sixty & Me
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Robert Lindstrom is Quoted on Best Company's Blog: "HSAs and Taxes: What You Need to Know"
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Robert Lindstrom Authored an Article for Humble Dollar: "Trading Time"
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Robert Lindstrom is a Guest Writer for The White Coat Investor: "Financial Planning Implications for Solo-Practice Owners"
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Robert Lindstrom is Quoted on NerdWallet.com: "What Is a Financial Advisor?"
Contact Robert Lindstrom
Office Locations:
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100 West Road
Suite 300
Towson, MD 21204 -
7027 Old Madison Pike
Suite 108
Huntsville, AL 35806