The questions I hear most, answered straight.
If something here doesn’t cover it, ask me on the Checkup.
How are you paid?
BFA Wealth Management is paid only by its clients, through the planning and asset management fees described on our pricing page. No commissions on investment products. No insurance sales. Mateo Dellovo also holds a Florida real estate license and owns real estate businesses outside BFA. Those activities, and the conflicts they can create, are described in our Form ADV.
I’ve managed my own money fine. Why do I need you now?
Because the game just changed. Managing a steady paycheck is one thing. A liquidity event, a pile of equity, and a tax bill you’ve never faced is another, and it’s the kind of thing that’s expensive to get wrong, where you usually only get one shot at it.
Why pay for a plan when other firms do one for free?
Because you own it. You pay for the plan, so the plan has no other job than to point where your life points. It is yours whether or not you ever open an account with us.
What if I already have a financial advisor?
Then nothing changes on the Checkup. It’s fifteen minutes to see whether your equity has outgrown what you have in place. If it hasn’t, I’ll say so. If it has, the Plan is built for exactly that, and it’s yours whether or not you ever move an account.
I don’t have a CPA or an estate attorney yet. Is that a problem?
Not at all, and you’re in good company. Many people come to me still doing their own taxes. I’ll tell you when you actually need a CPA or an attorney, coordinate with the ones you have, or point you to people I trust.
Do you do my taxes?
No. Tax projections are planning estimates based on current law and the information you share. We don’t prepare tax returns. Whoever prepares your return decides how anything is reported on it, and we coordinate with them.
I’m not sure my situation is complicated enough.
That’s exactly what the free 15 minute Checkup is for. You tell me what’s going on, and I tell you what I’d look at first. If there’s nothing to do yet, I’ll say so.
My deadline is soon. Can you still help?
Yes, if the timing works. Add the date when you book, and I’ll tell you whether the Plan can be done in time.
Can we work together wherever I live?
Usually, yes. Tell me where you live when you book, and I’ll confirm it on the Checkup.
What happens after the Plan?
That’s up to you. The Plan is yours to keep and run on your own. If you’d rather not do it alone, I can stay on to manage the investments and keep the plan current as life changes. No pressure either way.
How much money do I need to work with you?
You don’t need a set amount to start. The Checkup is free, and every fee is on the Pricing page.
Is my information secure?
Documents go through a secure, encrypted client portal, and we don’t sell your information for money. No system is perfectly secure, and our Privacy Policy says so.
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