The initial consultation is always free. I'll let you know what to expect before we meet — no surprises, no pressure. If we're not a good fit, I'll tell you honestly.
I'm happy to do a complimentary, independent review of your current portfolio. If everything looks good, I'll tell you. If I spot something that could be improved, I'll share my findings — and what you do with that information is entirely up to you.
Yes. When your situation calls for it, I coordinate with your CPA, insurance agent, attorney, and realtor. Financial planning doesn't happen in isolation, and I'd rather collaborate with your existing team than work around them.
Yes, and I think it's important. If one spouse handles the finances and something happens to them, the other needs to be prepared. I make sure both partners understand the plan and feel confident about your financial picture.
No. You're hiring me — I don't expect you to take time off work to sit across a desk from me. I travel to my clients, or we meet virtually.
I limit my practice to a maximum of 250 clients. Most advisors carry anywhere from 400 to 1,500 — some even more. That cap exists so I can know every client's situation deeply and give you the time you actually need.
No. I work with people regardless of income, assets, or net worth. Good financial guidance shouldn't be reserved for the wealthy.
I offer several options to meet your specific needs from project work all the way up to holistic wealth management.
Never. If I identify an investment or product that genuinely makes sense for your situation, I'll refer you to a subject matter expert who can offer it.
That keeps my advice clean.
A fiduciary is legally required to act in your best interest at all times. Many advisors are only held to a "suitability" standard — meaning a recommendation just has to be suitable for you, not necessarily the best option. As a fee-only fiduciary, I have no financial incentive to recommend anything other than what's right for you.
10 Reasons to Work with Christman Financial
1. You're not a number.
Most advisors carry 400–1,500 clients. I cap my practice at 250. That limit is intentional — it means I know your situation, your goals, and your family. You get real attention, not a callback from an assistant.
2. I can come to you.
Your time is valuable. You don't have to take time off work to sit in my office. We can meet virtually, or I can come to you.
3. Fee-only. No commissions. No conflicts.
I don't sell products, earn commissions, or benefit from steering you toward anything. My only incentive is giving you good advice.
4. I'm a fiduciary.
Legally and ethically, I'm required to act in your best interest.
5. I ask the questions most advisors skip.
What's your retirement number? Are you on track to hit it? If nothing changes today, what does retirement actually look like for you?
These aren't comfortable questions and possibly have uncomfortable answers, but they're the right ones.
6. I work with your whole financial picture.
I coordinate with your CPA, insurance agent, attorney, and realtor when your situation calls for it. Good financial advice doesn't happen in a silo.
7. No asset minimums.
I work with people regardless of income, assets, or net worth. The only requirement is that we like each other.
8. Both spouses get a seat at the table.
If something happens to one of you, the other needs to be ready. I make sure both partners understand the plan — not just the one who handles the finances.
9. I don't use fear or greed to drive decisions.
No market panic. No pressure tactics. Just clear, honest information so you can make confident choices.
10. You'll always know where you stand.
I explain every recommendation — what it is, why I'm suggesting it, and what your alternatives are. No black boxes.