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Jesse Cramer

Using Schwab, Fidelity, or Vanguard as Your Financial Advisor πŸ‘¨πŸ»β€πŸ«

Published about 2 months agoΒ β€’Β 2 min read

Good morning! If you're in Southern California, I have a quick question for you below.

Otherwise, on with the show!

Today's email includes:

--a reader asked me: what do I think about Schwab, Fidelity, or Vanguard as financial advisors?

--questions you should ask about your financial plan

--TK TK TK

Are You in SoCal?

Do you live near...

Huntington Beach?

Palm Springs?

San Diego?

I'm speaking at back-to-back conferences the week of September 14-18. FutureProof in Huntington Beach, then FinCon in Palm Springs, then flying back home via San Diego.

I always enjoy meeting my readers and listeners.

Please - reach out and let me know! With enough interest, I'll organize an official gathering or two!

Using Schwab, Fidelity, or Vanguard as Your Advisor

It’s vital to remember: big financial companies swim in many lanes at the same time.

They are custodians – places where you can open and keep accounts.

They are fund managers – organizations that offer ETFs, mutual funds, etc. that you can pay to invest in.

They also offer advisory services.

These organizations can be great custodians and excellent fund managers, yet have different standards for their advisory services.

Here are my full thoughts:

Is Your DIY Financial Plan Working?

(22 Questions to Ask...)

We all know the importance of having a good financial plan in place.

But…are we all talking about the same thing?

What *is* a financial plan, and how do we know if ours is good or not?

This episode ensures we're all talking about the same thing.

We review the four important components of a financial plan.

And then we ask 22 questions to illuminate if your financial plan is good, bad, (ugly?!), or somewhere in between.

Tune into Episode 148 of Personal Finance for Long-Term Investors.

The Top 3...

I enjoyed this content recently. I hope you do too.

​Hidden Conflicts​

Ok - I wrote this one!

I published on Humble Dollar this week.

Specifically, I wanted to share more thoughts about big financial services firms (e.g. Wall Street banks) and both the *pros* and the *cons* that occur when they can offer you 10 different services all at once.

​14 Pieces of Great Retirement Advice​

Shout-out to Fritz Gilbert who turned me onto this article.

I kept enjoying one piece of advice more than the last.

I really appreciate the focus on flexibility, adaptation, etc.

​Leverage​

For better or worse, leveraged ETFs are causing bigger ripples, ebbs, and flows in investment markets.

When people gamble with leverage (borrowed money) - it creates outsized impacts.

I Help People Retire (Even) Better

I'm a Partner at a fee-only fiduciary retirement planning firm.

We work with clients all over the USA.

If you know someone who needs help, visit PlanWithJesse.com and let's start a conversation.

Until Next Week...

Thank you for reading, listening, and writing back.

People like you send me questions every day.

I'd love to hear from you. ​​

All the best,

Jesse Cramer

Jesse Cramer

Smart ideas about money and retirement.

Retirement is a different game. You’ve spent decades building wealth. Now comes the harder part - turning it into a paycheck that lasts. I’m Jesse Cramer. I help DIY investors turn their savings into a clear, cohesive retirement plan. Join 4000+ weekly readers and 20,000+ podcast listeners.

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