--- title: Financial Freedom Blog | fiduciary description: fiduciary | Read Financial Freedom's blog to stay current with personal finance issues that are important for your financial goals. --- [![FINANCIAL FREEDOM](https://info.finfree.com/hs-fs/hubfs/logo%20(1).png?width=700&height=285&name=logo%20(1).png "FINANCIAL FREEDOM")](https://finfree.com/) 1-800-503-9500 - [About](https://finfree.com/approach/) - [Our Approach](https://finfree.com/approach/) - [Meet the Team](https://finfree.com/team/) - [How We Work With You](https://finfree.com/how-we-work-with-you/) - [Our Certifications and Industry Affiliations](https://finfree.com/our-certifications-and-industry-affiliations/) - [Our Fees](https://finfree.com/our-fees/) - [Why Choose Us?](https://finfree.com/what-sets-us-apart/) - [Why Fee Only](https://finfree.com/fee-only/) - [What We Do](https://finfree.com/services/) - [Comprehensive Financial Planning](https://finfree.com/services/comprehensive-financial-planning/) - [Investment Management](https://finfree.com/services/investment-management/) - [Retirement Planning](https://finfree.com/services/retirement-planning/) - [Who We Serve](https://finfree.com/who-we-serve/) - [Case Study #1: Getting Ready for Retirement](https://finfree.com/case-study/case-study-1-getting-ready-retirement/) - [Case Study #2- Recently Retired](https://finfree.com/case-study/case-study-2-recently-retired/) - [Case Study #3: Getting Started](https://finfree.com/case-study/case-study-3-getting-started/) - [Insights](https://info.finfree.com/financial-freedom-blog) - [Our Blog](https://info.finfree.com/financial-freedom-blog) - [Quick Guides](https://finfree.com/quick-guides/) - [eBooks](https://finfree.com/ebooks/) - [Let’s Talk](https://info.finfree.com/contact-us-financial-freedom-team) ## [How Your Financial Advisor's Retainer-Based Fees Benefit You ](https://info.finfree.com/financial-freedom-blog/how-your-financial-advisors-retainer-based-fees-benefit-you) April 13, 2020 By [ALLEN A. OSGOOD, JR., CFP®, B.S.B.A.](https://info.finfree.com/financial-freedom-blog/author/allen-a-osgood-jr-cfp-b-s-b-a) [![How Your Financial Advisor's Retainer-Based Fees Benefit You](https://info.finfree.com/hs-fs/hubfs/www.finfree.com%20Retainer%20based%20fee%20model%20benefits.jpg?width=767&name=www.finfree.com%20Retainer%20based%20fee%20model%20benefits.jpg)](https://info.finfree.com/financial-freedom-blog/how-your-financial-advisors-retainer-based-fees-benefit-you) Whether you’re currently looking for a financial advisor or already working with one, you may have questions about the retainer-based fee structure. This structure offers numerous benefits for\[…\] Filed Under: [Comprehensive Financial Planning](https://info.finfree.com/financial-freedom-blog/tag/comprehensive-financial-planning), [fiduciary](https://info.finfree.com/financial-freedom-blog/tag/fiduciary), [retirement planning](https://info.finfree.com/financial-freedom-blog/tag/retirement-planning) ## [What is Strategic Asset Allocation?](https://info.finfree.com/financial-freedom-blog/what-is-strategic-asset-allocation) December 30, 2019 By [ALLEN A. OSGOOD, JR., CFP®, B.S.B.A.](https://info.finfree.com/financial-freedom-blog/author/allen-a-osgood-jr-cfp-b-s-b-a) [![What is Strategic Asset Allocation?](https://info.finfree.com/hs-fs/hubfs/asset%20allocation%20www.finfree.com.jpg?width=767&name=asset%20allocation%20www.finfree.com.jpg)](https://info.finfree.com/financial-freedom-blog/what-is-strategic-asset-allocation) At Financial Freedom Fee-Only Wealth Management, we have a three-level approach to investment management. Level one is strategic asset allocation. Filed Under: [Comprehensive Financial Planning](https://info.finfree.com/financial-freedom-blog/tag/comprehensive-financial-planning), [fiduciary](https://info.finfree.com/financial-freedom-blog/tag/fiduciary), [retirement planning](https://info.finfree.com/financial-freedom-blog/tag/retirement-planning) ## [How To Find the Best Financial Advisor in Malvern, PA](https://info.finfree.com/financial-freedom-blog/how-to-find-the-best-financial-advisor-in-malvern-pa) November 25, 2019 By [ALLEN A. OSGOOD, JR., CFP®, B.S.B.A.](https://info.finfree.com/financial-freedom-blog/author/allen-a-osgood-jr-cfp-b-s-b-a) [![How To Find the Best Financial Advisor in Malvern, PA](https://info.finfree.com/hs-fs/hubfs/Malvern%20Financial%20Advisor%20www.finfree%20(1).jpg?width=767&name=Malvern%20Financial%20Advisor%20www.finfree%20(1).jpg)](https://info.finfree.com/financial-freedom-blog/how-to-find-the-best-financial-advisor-in-malvern-pa) How do the wealthy in Malvern, Pennsylvania find the best financial advisor for their needs? The same way people of other income brackets and in other geographical areas do, by deciding which\[…\] Filed Under: [Comprehensive Financial Planning](https://info.finfree.com/financial-freedom-blog/tag/comprehensive-financial-planning), [fiduciary](https://info.finfree.com/financial-freedom-blog/tag/fiduciary), [retirement planning](https://info.finfree.com/financial-freedom-blog/tag/retirement-planning) ## [5 Reasons Why Choosing A CFP® Makes Sense!](https://info.finfree.com/financial-freedom-blog/5-reasons-why-choosing-a-cfp-makes-sense) October 28, 2019 By [ALLEN A. OSGOOD, JR., CFP®, B.S.B.A.](https://info.finfree.com/financial-freedom-blog/author/allen-a-osgood-jr-cfp-b-s-b-a) [![5 Reasons Why Choosing A CFP® Makes Sense!](https://info.finfree.com/hs-fs/hubfs/finfree.com%20CFP.jpg?width=767&name=finfree.com%20CFP.jpg)](https://info.finfree.com/financial-freedom-blog/5-reasons-why-choosing-a-cfp-makes-sense) There are dozens of financial designations for industry professionals, and any planner can call himself or herself a financial planner. However, the Certified Financial Planner™ designation stands\[…\] Filed Under: [Comprehensive Financial Planning](https://info.finfree.com/financial-freedom-blog/tag/comprehensive-financial-planning), [fiduciary](https://info.finfree.com/financial-freedom-blog/tag/fiduciary), [retirement planning](https://info.finfree.com/financial-freedom-blog/tag/retirement-planning) ## [5 Tips For Finding Your New Financial Advisor](https://info.finfree.com/financial-freedom-blog/5-tips-for-finding-your-new-financial-advisor) October 21, 2019 By [ALLEN A. OSGOOD, JR., CFP®, B.S.B.A.](https://info.finfree.com/financial-freedom-blog/author/allen-a-osgood-jr-cfp-b-s-b-a) [![5 Tips For Finding Your New Financial Advisor](https://info.finfree.com/hs-fs/hubfs/finfree.com%20financial%20advisor.jpg?width=767&name=finfree.com%20financial%20advisor.jpg)](https://info.finfree.com/financial-freedom-blog/5-tips-for-finding-your-new-financial-advisor) You have big financial goals, and finding the best financial advisor to make these goals achievable is a big decision. Comprehensive financial planning is crafted by qualified financial advisors and\[…\] Filed Under: [Comprehensive Financial Planning](https://info.finfree.com/financial-freedom-blog/tag/comprehensive-financial-planning), [fiduciary](https://info.finfree.com/financial-freedom-blog/tag/fiduciary), [retirement planning](https://info.finfree.com/financial-freedom-blog/tag/retirement-planning) ## [How to Know if Your Financial Advisor is a Good Fit](https://info.finfree.com/financial-freedom-blog/how-to-know-if-your-financial-advisor-is-a-good-fit) July 10, 2019 By [ALLEN A. OSGOOD, JR., CFP®, B.S.B.A.](https://info.finfree.com/financial-freedom-blog/author/allen-a-osgood-jr-cfp-b-s-b-a) [![How to Know if Your Financial Advisor is a Good Fit](https://info.finfree.com/hs-fs/hubfs/retainer%20based%20financial%20planning%20Financial%20Freedom-2.jpg?width=767&name=retainer%20based%20financial%20planning%20Financial%20Freedom-2.jpg)](https://info.finfree.com/financial-freedom-blog/how-to-know-if-your-financial-advisor-is-a-good-fit) Financial advisors are an integral piece of your financial life, and as such, you should choose them with care. Even if you’ve done your homework and choose to work with a fiduciary financial advisor\[…\] Filed Under: [Comprehensive Financial Planning](https://info.finfree.com/financial-freedom-blog/tag/comprehensive-financial-planning), [fiduciary](https://info.finfree.com/financial-freedom-blog/tag/fiduciary), [retirement planning](https://info.finfree.com/financial-freedom-blog/tag/retirement-planning) ## [Why a Long-Term Relationship with Your Financial Advisor Can Benefit YOU](https://info.finfree.com/financial-freedom-blog/why-a-long-term-relationship-with-your-financial-advisor-can-benefit-you) June 18, 2019 By [ALLEN A. OSGOOD, JR., CFP®, B.S.B.A.](https://info.finfree.com/financial-freedom-blog/author/allen-a-osgood-jr-cfp-b-s-b-a) [![Why a Long-Term Relationship with Your Financial Advisor Can Benefit YOU](https://info.finfree.com/hs-fs/hubfs/long%20term%20relationship%20Financial%20Freedom%20advisors.jpg?width=767&name=long%20term%20relationship%20Financial%20Freedom%20advisors.jpg)](https://info.finfree.com/financial-freedom-blog/why-a-long-term-relationship-with-your-financial-advisor-can-benefit-you) In my opinion, everybody can benefit from a financial plan, because every aspect of your life has an effect on your finances and your financial future. Your goals, your life circumstances and your\[…\] Filed Under: [Comprehensive Financial Planning](https://info.finfree.com/financial-freedom-blog/tag/comprehensive-financial-planning), [fiduciary](https://info.finfree.com/financial-freedom-blog/tag/fiduciary), [retirement planning](https://info.finfree.com/financial-freedom-blog/tag/retirement-planning) ## [Who Should Be on Your Financial Planning Team?](https://info.finfree.com/financial-freedom-blog/who-should-be-on-your-financial-planning-team) June 05, 2019 By [ALLEN A. OSGOOD, JR., CFP®, B.S.B.A.](https://info.finfree.com/financial-freedom-blog/author/allen-a-osgood-jr-cfp-b-s-b-a) [![Who Should Be on Your Financial Planning Team?](https://info.finfree.com/hs-fs/hubfs/Financial%20Freedom%20financial%20freedom%20team.jpg?width=767&name=Financial%20Freedom%20financial%20freedom%20team.jpg)](https://info.finfree.com/financial-freedom-blog/who-should-be-on-your-financial-planning-team) As you start your financial planning journey to retirement and beyond, you’ll need to assemble a trusted team of professionals to help you set up and execute your financial plan. Similar to how\[…\] Filed Under: [Comprehensive Financial Planning](https://info.finfree.com/financial-freedom-blog/tag/comprehensive-financial-planning), [fiduciary](https://info.finfree.com/financial-freedom-blog/tag/fiduciary), [retirement planning](https://info.finfree.com/financial-freedom-blog/tag/retirement-planning) ## [Fee-Only Wealth Management Vs. Commission-Based Financial Advice: Let’s Compare](https://info.finfree.com/financial-freedom-blog/fee-only-wealth-management-vs.-commission-based-financial-advice-lets-compare) May 22, 2019 By [ALLEN A. OSGOOD, JR., CFP®, B.S.B.A.](https://info.finfree.com/financial-freedom-blog/author/allen-a-osgood-jr-cfp-b-s-b-a) [![Fee-Only Wealth Management Vs. Commission-Based Financial Advice: Let’s Compare](https://info.finfree.com/hs-fs/hubfs/fee-only%20wealth%20management%20Financial%20Freedom.jpg?width=767&name=fee-only%20wealth%20management%20Financial%20Freedom.jpg)](https://info.finfree.com/financial-freedom-blog/fee-only-wealth-management-vs.-commission-based-financial-advice-lets-compare) When it comes to hiring a financial advisor to help you with retirement planning, you have a myriad of options to choose from. But along with that vast selection comes the difficulty of picking the\[…\] Filed Under: [Comprehensive Financial Planning](https://info.finfree.com/financial-freedom-blog/tag/comprehensive-financial-planning), [fiduciary](https://info.finfree.com/financial-freedom-blog/tag/fiduciary), [retirement planning](https://info.finfree.com/financial-freedom-blog/tag/retirement-planning) ## [Getting Ready for Retirement? Here are 4 Things To Do First](https://info.finfree.com/financial-freedom-blog/getting-ready-for-retirement-here-are-4-things-to-do-first) May 07, 2019 By [ALLEN A. OSGOOD, JR., CFP®, B.S.B.A.](https://info.finfree.com/financial-freedom-blog/author/allen-a-osgood-jr-cfp-b-s-b-a) [![Getting Ready for Retirement? Here are 4 Things To Do First](https://info.finfree.com/hs-fs/hubfs/getting%20ready%20for%20retirement%20Financial%20Freedom.jpg?width=767&name=getting%20ready%20for%20retirement%20Financial%20Freedom.jpg)](https://info.finfree.com/financial-freedom-blog/getting-ready-for-retirement-here-are-4-things-to-do-first) Whether you’re in the throes of your career, acclimating to an empty nest or getting ready for retirement, it’s crucial that retirement planning is started sooner rather than later. 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