Susan Koe
CFP®
Better Money Decisions
Financial Planner
Susan Koe
CFP®
Better Money Decisions
Financial Planner
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Susan Koe, CFP®
Fee-Only financial planner located in Phoenix, Arizona serving clients locally and across the country
Susan Koe is a Phoenix, AZ fee-only financial planner. Better Money Decisions provides comprehensive financial planning, financial planning for divorce, and investment management to help women organize, grow and protect their assets through life’s transitions.As a fee-only, fiduciary, and independent financial advisor, Susan Koe is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Susan Koe is passionate about using her financial knowledge to help others achieve their goals. She began her financial services career when she joined Vanguard in 2004. At Vanguard, she provided data analysis and portfolio management for high-net-worth clients. Her 11 years at Vanguard taught her that every client has a unique situation and there is no ‘one size fits all’ solution.
She believes that her job is to answer questions like ‘When can I retire?’ and ‘Can I afford to leave a legacy’ not just convey facts and figures.
Another way Susan enjoys helping clients is retirement income planning. Many clients save for retirement, but are unsure about the best way to spend down their portfolio. “Distributing wealth in retirement is more difficult than accumulating wealth when working. I guide clients around the pitfalls of spending too much too early and not preparing for emergencies.”
During her time at Vanguard she earned the Certified Financial Planner designation, which gives her the understanding of all aspect involved in the planning process including investing, estate planning, risk management, and tax planning. The CFP® Code of Ethics and Practice Standards forms the basis of the company’s philosophy. She also has a bachelor’s degree in finance and economics from Northwest Missouri State University and an M.B.A. from Northern Arizona University which gives her the depth of knowledge critical in the planning process.
Susan lives in the Phoenix area her husband, son, and daughter. Her interests include running, hiking, volunteering, and vacationing with her family.
Susan Koe 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.
Better Money Decisions was built on the foundation of superior service and a sincere desire to help clients make critical decisions as they navigate the transitions into the various stages of their lives. We put our expertise and vast experience to work for you as your partner throughout the many decisions that affect your financial life. Every financial decision has an emotional impact and we appreciate the fact that sometimes emotions can outweigh the dollars and cents. We’ll help you sort through these decisions, as well.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Susan Koe 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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Susan Koe 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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Susan Koe is a member of The Financial Planning Association® (FPA®)FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.
Contact Susan Koe
Office Locations:
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14301 N 87TH ST. SUITE 205
Scottsdale, AZ 85260
