You've got questions? We have answers!

When starting a cross country road trip, do you plug in your destination address as you begin or do you wait until you’re lost? 

If you’re someone who likes to know where you’re going from the get go, then you need financial planning as soon as you’re ready to chart your course and start working towards your big goals.

If you’re ready to see if we’d be a good fit, let’s chat! Please take a few minutes to answer some questions for us so that we can make the most of our time on the Discovery Call. Once you hit submit, you’ll be redirected to snag a spot on our calendar to speak with a member of our team about how we can help you start building wealth and financial plan.

If you’re interested, but not sure what you even need or where to start…or maybe you just have a one-time financial question…hop on a quick Icebreaker call with me. After this 15-minute call, I’ll be able to point you in the right direction for your next step, even if that means we need to revisit your situation in a year before we get started on working together.

Yes, at the moment, we are taking on new clients. Because we meet you where you’re at, we don’t have any quantitative standards that would exclude you from becoming a client, however, we have a general “no jerks” policy and do we try to get a feel during the Discovery Call if we would be a good fit working together.

I can work with anyone in the U.S., and in fact, we have clients in almost 20 states. We regularly conduct our meetings over Zoom, and we have found that it does not hinder the financial planning process. If anything, it allows for more flexibility on the client’s part. 

Book your Discovery Call with me today! 

Nope! We don’t bill by the hours  If you have a quick question for me, shoot me an email at hi@daniellenava.com. I try my best to answer all questions to the best of my ability and with the limited information I have.

If you you’re trying to figure out if your situation would require working with me and need to hash out next steps OR if you want to ask me your quick question over the phone, schedule a 15 minute Icebreaker call with me.

If you know you’re ready to become a client and receive all of our services, schedule a Discovery Call with us!

You are absolutely correct. There are now thousands of amazing money & investing teachers out there that we can all access for free–and I applaud it! The more accessible the education on financial matters, the better IMO.

Unfortunately it’s also the reason you need to be careful about who you’re reading and listening to. Following the path of someone who has found success for themselves is completely different than following advice from someone who has helped hundreds of people with variable situations through the course of decades.

The real value in working with a financial professional comes in the tough or particularly complicated times, as a lot of DIY’ers come to find out during their first recessionary period.

I don’t want to turn you against all online finance education–hello, I’m one of the influencers–but you and I both know there are scammers & predators out there, especially in this industry.

My best advice is to use online general education to get you started–be scrupulous–and to build a foundation, and then when you’re ready to take it to the next level, reach out to a trusted professional to put you in the right direction.

Great question! Personal finance education is very broad by definition, but I think it mainly pertains to saving, budgeting, money mindset and debt management. 

There are ENDLESS resources out there for personal finance, and I do touch on this topic occasionally as it regularly overlaps with financial planning. 

Financial planning, on the other hand, involves looking at a client’s entire financial picture and advising them on how to achieve their short and long-term financial goals. From saving for a new home and planning for retirement to effectively managing taxes and insurance, financial planners develop valuable relationships with their clients to provide them with confidence today and a more secure tomorrow.

To put another way, if personal finance is the going to Target to pick out décor, then financial planning is the interior designer that pulls it all together so it makes a complete look. 

My wheelhouse is in the financial planning arena. You certainly must have good personal finance in order to have good financial planning, but the information you will find here mostly deals with those next steps after you conquer your personal finance situation.

A CERTIFIED FINANCIAL PLANNER™ is someone who takes a bird’s eye view on your entire financial picture—and then creates a comprehensive, customized plan to make the most out of your money and situation.

CERTIFIED FINANCIAL PLANNER™ professionals are fiduciaries, which means they are required by law to act in their clients’ best interests in every situation.

A CERTIFIED FINANCIAL PLANNER™ must meet the CERTIFIED FINANCIAL PLANNER™ Board’s qualifications, complete a Board-registered education program, and pass the CERTIFIED FINANCIAL PLANNER™ exam.

In addition, a CERTIFIED FINANCIAL PLANNER™ professional must have three years of full-time relevant financial planning experience or two years of apprenticeship experience within ten years preceding the exam or five years after. CERTIFIED FINANCIAL PLANNER™ professionals also must pass a background check and abide by the Board’s standards of ethics, as well as attend an ethics course every two years as part of their continuing education.

Great question. Simply put, “financial advisor” is a loose term that can mean a variety of things. In our industry, it typically means they only manage your investments, while financial planner implies that more aspects of your financial picture are taken into consideration besides just your investments.

A financial planner may take a more holistic approach and consider your entire financial picture. For example, they may offer investment planning, retirement planning, insurance planning, estate planning, and tax planning.

Honestly, there is not a lot of regulation around what anyone can call themselves in this industry, except when they have a professional designation, so that’s why it’s best to look for those credentials.

CFP® professionals are financial planners with all the certified credentials we just discussed above. 

We now offer our own self-directed investment platform, GenerationGo! Manage your wealth with a diversified investment portfolio matched to your unique goals, all while enjoying an at-your-fingertips digital investment experience. It’s an easy online process that requires only $5,000 to get started.

If you do not have $5,000 to begin or an account worth $5,000 yet, I suggest Betterment. They do a great job at automating suitability questions, without going as far as assigning an advisor to you. I also love that they have a user-friendly app.

Be weary of robo-advisors that don’t ask you anything about your age, time horizon, goals or risk tolerance. So many platforms have “gamified”  investing, and it can lead to some irresponsible decisions.

As a rule of thumb, look for platforms that charge less than .5% if they are strictly robo-advisors (without anyone guiding you), and expect pricing around 1% if you get assigned a professional advisor to guide you.