How You Would Benefit From Working With Us
The typical client of our firm has retired to our small corner of the world - Southwest Florida. They were likely referred to us by a current client or another professional, although not always. They have typically accumulated a substantial nest egg over their lifetime, now it's time to reap the rewards of their efforts.
We are here for all our client wealth management needs, regardless of how complex they may seem. However, many of our clients seek only the prudent management of their investment portfolio and guidance on tax-efficient income distribution. These are the cornerstones to a great retirement plan and we are experts in their execution.
At Finley we believe in getting to know who you are, and what’s most important to you, not just what you have. When we sit down to talk for the first time, we get to the heart of what’s truly important in your life. This approach guides all that we do in your financial planning journey.
In the end, helping clients achieve all that is important to them, is the highest goal a financial planner can aspire to in their career. We aspire to help you plan for the life events you expect and overcome those you don’t.
Douglas Finley, MS, CFP, AEP, CDFA
Back in 2006 when we founded Finley Wealth Advisors, few investors had even heard of the word “fiduciary.” A fee-only fiduciary approach ensures that our advice always works in your best interest at all times. Period.
Our Fiduciary Pledge To You
Because you deserve pure unbiased financial advice. We follow a fiduciary standard and are proud to commit to the following five fiduciary principles:
We will always put your best interests first.
We will act with skill, care, diligence, and good professional judgment.
We will not mislead you, We will provide you an open disclosure of all important facts.
We will avoid conflicts of interest.
We will fully disclose and fairly manage, in your favor, any unavoidable conflicts.
Fee-Only vs. Fee Based Why It Matters
Are you looking for unbiased financial advice or another well-rehearsed sales pitch? As independent experienced Certified Financial Planner™ professionals, our goal is to remove all of the conflicts of interest that corrupt the advice you receive.
At Finley Wealth Advisors, a promise of objective advice is more than just words, we are compensated exclusively by the fee paid to us by you, our client. You simply pay for our expertise, with a transparent professional fee. We have no products to sell, commissions to attain, or quotas to meet.
It's our firm belief that professional financial advice and product sales are incompatible. Brokers often sell products that are the true motivation for the "advice" they give.
The vast majority of employees of banks, brokerage firms, and insurance companies charge a management fee part of the time and are commissioned salespeople at other times. These brokers call themselves fee-based, attempting to confuse you into thinking they are fee-only.
The Four Pillars of Investing
We don’t expect people to fly their own airplanes or take out their kids’ appendixes, and yet we expect them to manage their retirement portfolios. In my careers I’ve done all three, and investing is by far the hardest.
Evidence-Based Investing Putting The Odds In Your Favor
At the end of the day, to make money in the markets, you must buy low and sell high. But what should you buy and sell? And when should you act? With no overarching strategy, your choices become a random search in an immense financial desert. You may still find your way if you are lucky. That’s a stressful way to go about managing your money.
Finley Wealth Advisors offers a model of investing based not on speculation but on financial science and Institutional-level investment advice from Nobel Prize-winning financial, economic, and academic research. There’s a quiet power in understanding how to already be there to capture available market returns – rather than forever chasing after them, as most investors do.
We have a clear strategy for managing the market’s ever-unfolding uncertainties, we stay focused on the right processes, the right tools and the right mindset to guide you toward your most important goals. It is in the context of a low-cost, globally diversified solution, that we apply sound financial theory to your investment portfolio.
Your custom designed investment portfolio ensures that you are exposed to the appropriate mix of market factors, and designed to efficiently capture the market returns expected to contribute to your personal wealth over time.
Awards and Recognitions
An unbiased fee-only financial advisory approach and a dedication to personal service have earned the firm both local and national recognition.
Preferred Service Award
Recognition of excellence in service to area medical professionals.
Guide to America’s Top Financial Planners
Douglas Finley, MS, CFP, AEP, CDFA was honoured by The Consumers’ Research Council of America, a Washington, D.C. based research organization, that provides consumers’ information guides for professional services throughout America.
Best In Client Satisfaction for Wealth Managers
In the Gulfshore Life Readers Polls. Douglas Finley, MS, CFP, AEP, CDFA has been honoured year after year by his peers and the investor community in Lee & Collier counties.
Investment Advisor Affiliations
Members of the National Association of Personal Financial Advisors (NAPFA) who have met all necessary requirements of membership have earned the right to call themselves NAPFA-Registered Financial Advisors. This prestigious title is recognized by those in the field and in the media as identifying those who are professional, ethical financial advisors.
More About Being A NAPFA Registered Advisor
It’s all about putting you, the consumer, first. NAPFA-Registered Financial Advisors are fiduciaries – at all times – for their clients. They take a holistic approach to planning that takes into account all of the client’s financial considerations – from investing to estate planning. The goal is always to preserve and grow your money.
NAPFA-Registered Financial Advisors serve consumers. They are financial advisors who are highly competent and have met more than a de minimis certification standard, offer holistic service, and operate on an objective Fee-Only basis. That means they do not sell financial products on commission. They are unbiased, without the potential for conflicts of interest. Their only purpose is to look out for their clients’ overall financial well-being.
NAPFA insists that every NAPFA-Registered Financial Advisor meet the highest competency standards. All NAPFA-Registered Financial Advisors must:
- Meet stiff credentialing and educational requirements
- Be primarily engaged as holistic financial advisors (rather than merely investment or tax advisors)
- Meet the most rigorous continuing education requirements in the industry
- Submit to outside professional review, to ensure that they do not have the conflicts of interest that commissions bring
- Submit a financial plan for review by peers before they can be admitted
There’s one way to ensure you’ve found a financial advisor who will put your interests first. Make sure they are a NAPFA-Registered Financial Advisor.
The CFP® marks represent a CERTIFIED FINANCIAL PLANNER™ designation. An individual who has earned these marks has met the education, examination, experience and ethics standards established by the CERTIFIED FINANCIAL PLANNERS™ Board of Standards (CFP® Board).
More About Our Designation as Certified Financial Planners
Therefore, a financial planner who has earned the CFP® marks should be distinguished from a financial planner who has not. Consumers need to be aware that there is nothing preventing a person from declaring themselves a “Financial Planner.” and it is therefore incumbent upon the consumer to differentiate between a planner who has earned the marks and one who has not.
If a financial planner has earned the right to use the CFP® marks, this means that he or she has met the following requirements:
Education: There are three ways to meet the CFP® certification education requirement: Completing an education program at a college or university whose curriculum is registered with the CFP® Board; or submitting a transcript of previous financial planning-related course work to the CFP® Board for review and credit; or Showing the attainment of certain professional designations or academic degrees
Examination: Candidates for the CFP® certification must pass a rigorous two-day, 10-hour CFP® Certification Examination administered by the CFP® Board that covers the financial planning process and includes such topics as tax planning, employee benefits and retirement planning, estate planning, investment management and insurance.
Experience: Candidates for CFP® certification must prove they have experience in the financial planning process before being authorized to use the CFP® marks.
Ethics: Candidates for CFP® certification have their backgrounds checked by the CFP® Board, and must also disclose any investigations or legal proceedings related to their professional or business conduct. The CFP® Board reviews all such disclosures and investigates those statements that indicate areas of concern.
Candidates must also adhere to the CFP® Board’s Code of Ethics and Professional Responsibility and Financial Planning Practice Standards. Additionally, once certified, CFP® certificants must fulfil a biennial continuing education requirement to stay up-to-date on planning strategies and financial trends affecting their clients.
The Financial Planning Association® (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models.
More About Our Membership With The FPA
The FPA helps connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
- Put the client’s best interests first
- Act with due care and in utmost good faith
- Do not mislead clients
- Provide full and fair disclosure of all material facts
- Disclose and fairly manage all material conflicts of interest
Members of FPA are those who commit to the highest standards of professional competence, ethical conduct and clear, complete disclosure to those they serve. They deliver advice using an objective, client-centered, ethical process.
More About What Our CDFA™ Designation Means
To attain the right to use the CDFA™(Certified Divorce Financial Analyst™) certification, an individual must satisfactorily fulfil the following requirements:
Education – Professionals must develop their theoretical understanding and knowledge of the financial aspects of divorce by completing a comprehensive course of study approved by the IDFA™;
Examination – Practitioners must pass a four-part (in the USA) or three-part (in Canada) Certification Examination that tests their understanding and knowledge of the financial aspects of divorce. In addition, the practitioner must demonstrate the practical application of this knowledge in the divorce process;
Experience – Individuals must have a minimum of three years’ experience in a financial or legal capacity prior to earning the right to use the CDFA™ certification mark; and
Ethics – Practitioners agree to abide by a strict code of professional conduct known as the “Code of Ethics and Professional Responsibility,” which sets forth their ethical responsibilities to the public, clients, employers and other professionals. The IDFA™ may perform a background check during this process, and each candidate for CDFA™ certification must disclose any investigations or legal proceedings relating to his or her professional or business conduct.
Individuals who become certified must complete the following ongoing education requirements in order to maintain the right to continue to use the CDFA™ designation:
Continuing Education – Complete a minimum of fifteen (15) hours of continuing education every two years, that are specifically related to the field of divorce, and
Ethics – Practitioners must voluntarily disclose any public, civil, criminal, or disciplinary actions that may have been taken against them during the past two years as part of the renewal process. If a complaint has been brought against a CDFA™ by another professional or member of the general public, the CDFA™ must be examined and cleared by IDFA’s Ethics Committee to maintain their designation.
More About What Our AEP® Designation Means
The AEP® designation is available to attorneys (JD), Chartered Life Underwriters® (CLU®), Certified Public Accountants (CPA), Certified Financial Planners™ (CFP®), Chartered Financial Consultants® (ChFC®), and Certified Trust and Financial Advisors (CTFA). It is awarded by the National Association of Estate Planners & Councils (NAEPC) to recognize estate planning professionals who meet stringent requirements of experience, knowledge, education, professional reputation, and character. An AEP® designation holder must embrace the team concept of estate planning and adhere to the NAEPC Code of Ethics.
The National Association of Estate Planners & Councils (NAEPC) is a national organization of professional estate planners and affiliated local Estate Planning Councils focused on establishing and monitoring the highest professional and educational standards. NAEPC fosters public awareness of the quality services rendered by professionals who meet these standards. NAEPC builds a team approach involving cross-professional disciplines to better serve the public’s need in estate planning.
We work with Dimensional Fund Advisors (DFA) to gain U.S and International stock and bond exposure for our client’s portfolios. Dimensional Fund Advisors is a leader in developing institutional mutual funds for high net-worth investors and corporations.
More About Our Dimensional Fund Advisor Partnership
Here are a few facts about Dimensional Fund Advisors: DFA has over $409 billion under management as of 3/31/2016 according to The Wall Street Journal More than 80% of DFA’s funds have beaten their five-year benchmark according to Morningstar Fund shares are not available directly to individuals but are limited to clients of a select group of wealth management firms like Finley Wealth Management.
Douglas Finley, MS, CFP, AEP, CDFA is a longtime member of Mensa the largest and oldest IQ society in the world. Mensa is a non-profit organization open to people who score at the 98th percentile or higher on a standardized, supervised IQ or other approved intelligence test.
More About Mensa
Mensa’s constitution lists three purposes: “to identify and to foster human intelligence for the benefit of humanity; to encourage research into the nature, characteristics, and uses of intelligence; and to provide a stimulating intellectual and social environment for its members”. To this end, the organization is also involved with programs for gifted children, literacy, and scholarships, and it also holds numerous gatherings for its members.
Our Florida Office Locations
10600 Chevrolet Way, Suite 101
Estero, FL 33928
780 Fifth Avenue, Suite 200
Naples, FL 34102
Fort Myers Office
2256 First Street, Suite 140
Fort Myers, FL 33901