FAQ

• A Registered Investment Advisor (RIA) is a firm that provides investment advice and is regulated by the SEC or state authorities. D'Agaro Financial Advisory is registered with the state of Virginia.
  
  
• We are held to the highest standard of care. As a fiduciary, I am legally obligated to act in your best interest at all times, ensuring that my recommendations are objective and transparent.

• We keep it simple. We're fee-only, which means you pay us directly for advice and management. No commissions, no kickbacks, just clear pricing so you know exactly what you're getting.
  
  
• Our promise: no hidden agendas. If a potential conflict ever comes up, we'll tell you right away and put your interests first.

• I bring decades of investment experience plus the advanced professional designation of Chartered Financial Analyst® (CFA).
  
  
• A CFA is globally recognized for their commitment to ethics and professionalism, and are tested on the fundamentals of investment tools, valuing assets, portfolio management, and wealth planning.

• Complete financial picture: Money touches every part of your life, from investments to retirement, taxes and insurance, education, and estate planning. A financial planner helps connect all the pieces, so your money supports the life you want.
  
  
• Personalized strategies for your unique goals: Your life and dreams are one-of-a-kind, so your financial plan should be too. A planner designs strategies tailored specifically to your goals, values, and priorities.
  
  
• Guidance through life's big events: From buying a home to planning for retirement, life's changes and surprises can feel overwhelming. A planner helps you adapt and move forward with clarity and confidence.
  
  
• A partner who keeps you on track: It's easy to delay or second-guess financial decisions. A planner keeps you disciplined so your plan continues moving forward, even when life gets busy.
  
  
• Value outweighs the cost: A planner helps you avoid costly mistakes, make smarter financial decisions, and stay disciplined through market ups and downs. The long-term benefits often far exceed the price you pay.
  
  
• Peace of mind: Money is emotional, and managing it on your own can be stressful and time-consuming. A planner helps carry that weight so you can be free to focus on your family, your career, and your passions.

• I want to help you pursue your goals regardless of your current situation or phase of life. The size of your portfolio, your net worth, and other financial metrics are unrelated to whether financial planning can benefit you.
  
  
• Nope! If your portfolio size hasn't reached $125,000 yet, you can begin by building your financial plan with us as financial planning-only clients. We'll guide you through the process, and you can implement the plan independently until you reach the investment management level.
  
  
• While details can be found in the Services section, note that all fees are negotiable. 

Not at this time. The financial planning process does not end once your initial plan has been created. We will review the complete plan at least once a year to ensure it is up to date. When needed, we will modify your plan to accommodate changes in your personal circumstances, such as: changes in your goals or time horizon; events like marriage, birth of a child, health problems, or job loss; substantial changes in financial situation; changes in the economy or taxes (there have been over 400 changes to the tax code annually over the last couple of decades).

• You are the first in your family to build wealth. You are worried about how to keep it, grow it, and pass it on to your heirs.
  
  
• You have a family and are worried about how you are going to fund your lifestyle, such as buying a home, saving for college for your children, and accumulating wealth for retirement.
  
  
• You are a pre-retiree who is getting ready to enjoy the wealth you have created, help your family, and plan your legacy.
  
  
• If you value honesty, teamwork, and a long-term plan, we may be a great fit.

• You are a speculative or extremely risk-tolerant investor: While we understand the importance of taking calculated risks, we prioritize responsible and sustainable investment strategies. If you're primarily interested in high-risk, speculative investments, our approach may not align with your goals.
  
  
• You are a short-term trader: Our focus is on long-term, sustainable growth. If you're looking for short-term trading opportunities, day trading, or quick financial gains, our services may not suit your needs.

Yes. I am remote-only, so most of my meetings are held via Zoom, which allows us to meet more frequently and flexibly around your schedule.

That's completely normal and exactly why we're here. We'll start wherever you are and move forward at your pace.

Of course not - we all have our guilty pleasures. The goal isn't perfection; it's building a plan that balances today's joys with tomorrow's security.