• Single-Member Limited Liability Company

  Organized in Missouri in 2001

  Solely owned by Charles Heisner

• Registered Investment Advisor in the States of Missouri and Illinois

  Charles Heisner is the only investment advisor representative.

• Fee-only Personal Financial Planning Company

As a fee-only financial planning company, the only way that Heisner Financial, LLC (and Charles Heisner) makes money is through fees paid directly to Heisner Financial, LLC by clients.  Fees can be paid in three ways.

 

1.        Hourly Fee

2.        Retainer (usually annually)

3.        Special Project Fee (such as a tax return fee, a financial planning meeting fee, a retirement plan fee, etc.)

 

This means that Heisner Financial, LLC does not receive commissions, kick-backs, 12b-1 fees, loads, or any other transaction based pay. 

 

Heisner Financial, LLC was structured as a fee-only  financial planning company so it would not have any conflicting interests as it provides the best possible objective advice based upon each individual client's circumstance with no limit to the products it can recommend to clients or analyze for clients.

 

In this way, Heisner Financial, LLC can discuss the pros and cons and review any of the following without bias:

 

          Mutual Funds

          Variable Annuity

          Life Insurance Company or Product

          State Education plan (Section 529 plans)

          Investment Company or Bank

          Estate Planning Lawyer or Law Firm

          Accountant or Accounting Firm

          Mortgage Broker or Lending Firm