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Financial Planning FAQs

Read our retirement and legacy planning FAQs to learn more about how Financial Excavation can help you transform your life!

General Financial Planning FAQs

  • Whether you’re approaching retirement, starting a new career, or simply looking to build a better, brighter future, Financial Excavation is for you. We provide tailored advice and actionable plans to support you as you head into your next chapter.

  • Financial Excavation isn’t another “by-the-numbers” firm. Our approach is more spiritually grounded. Inspired by Jeremiah 1:10 (The Bible), we’re here to help you tear down old beliefs and rebuild a rooted financial life. We know that taking that first step towards digging deep into past beliefs, clearing old patterns, and building a strong financial foundation isn’t easy. But together, we’ve got this!

  • No! This is a comprehensive financial and legacy planning FAQ that we want you to take note of. While many planners have investment and income minimums, we believe that financial planning is about creating systems for any income level, growing your wealth, and protecting what you’ve built, regardless of your starting point. What matters most is starting early and being committed to improving your financial situation, both now and in the future. The earlier you start, the quicker and larger the impact you’ll see over time.

Technical Financial & Retirement Planning FAQs

  • A fiduciary is an individual or entity entrusted with helping you manage your financial assets. We make decisions based on what’s best for you, and you alone. 


    Not all financial advisors are fiduciaries. This means their recommendations may be suitable for your situation, but they may not necessarily be the best option. Founder Shar-Né is a fee-only, advice-only fiduciary advisor, meaning she ​​provides solely financial guidance and does not touch or handle your assets. You’re in complete control of your future. 

  • We wouldn’t call ourselves financial excavators if we weren’t willing to roll up our sleeves and do whatever it takes to help bring order to the chaos. Financial messiness is exactly why professionals like us exist. Most clients experience relief after their first meeting, realizing their situation isn’t unusual. The messier your finances feel to you now, the more value a CFP® professional can provide.

  • Trust is built upon many factors. Here are a couple, I believe, that are most important:

    • Professional Standards and Oversight: To be certified, individuals must make a binding commitment to the CFP Board's Code of Ethics and Standards of Conduct. Even if this board didn’t enforce these standards (which it does), I take this fiduciary oath seriously to prioritize your financial interests at all times. 

    • Structural Incentive Alignment: My business is intentionally designed as a "Fee-Only" firm, meaning I am paid directly by you, not through commissions, bonuses, or referral fees from financial products I might recommend.

     

    Every recommendation given or decision made on your behalf is directly tied to your financial well-being. You can verify my status and background as a CFP® professional at CFP.net/verify.

  • Accountants typically focus on tax preparation and compliance, insurance agents specialize in risk management products, and investment advisors often emphasize investments and retirement. But what happens when these different advisors make recommendations that conflict with each other? This is a common concern with multiple advisors in the financial space. A CFP® professional integrates multiple financial aspects — investments, insurance, taxes, retirement, estate planning, and more — into one cohesive strategy. We complete extensive education, pass a rigorous exam, fulfill experience requirements, and commit to ongoing ethics training to ensure we are acting in your best interest.

Retirement and Legacy Planning FAQs

  • No! This is one of the most asked financial planning FAQs. Your 20s and 30s involve major financial decisions — such as career moves, family planning, debt management, and home purchases — that shape your financial trajectory for decades to come. Minor adjustments now can have a significant impact, potentially influencing hundreds of thousands (if not millions) later through the power of compounding.

  • This is another one of the most common financial planning FAQs! But it’s never too late to start planning your future. Income, expenses, and taxes generally rise as you move into your 40s and 50s. Critical decisions loom larger as retirement approaches and goals evolve. A CFP® professional helps you balance these competing priorities, and perhaps most importantly, build financial habits that both prevent costly mistakes and compound your wealth in the right direction.

Have more financial or retirement planning FAQs? Contact us!

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