§
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
§
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