FAQ
Who is LPL Financial, and how does it relate to Journey Wealth Management?
At Journey Wealth Management, we are excited to offer you a blend of personalized service and robust financial backing. With the support of LPL Financial, we have access to advanced technology, a reliable platform, and strong regulatory oversight . We pride ourselves on being your independent partner in financial planning and investment guidance. This collaboration allows us to combine the attentive, relationship-focused service of a boutique firm with the strength and resources of the #1 independent broker-dealer in the U.S. (As reported by Financial Planning magazine, 1996-2025, based on total revenue). Together, we're here to help you thrive on your financial journey! For more information about LPL Financial, visit www.lpl.com.
Who are our clients?
Our clients are busy individuals and families who value their time and appreciate having a valued professional simplify the complexities of their financial lives. They prefer to focus on what matters most — their families, careers, their businesses, and personal priorities — while we help them navigate ever-changing financial landscape. We serve young investors in their accumulation years, business owners, corporate executives, widows, beneficiaries, financially independent retirees, and successful families who have accumulated meaningful assets. Our commitment is to help clients bring clarity to their financial lives and work confidently toward the goals that matter most to them. Our commitment is to bring clarity to their financial lives and help them move confidently toward the goals that matter most
What do I need to bring for the first meeting?
This meeting is all about you. Once your first appointment is scheduled, we will email you a brief questionnaire, a simple checklist of items to bring, and a one-page overview of our broker-dealer, LPL Financial. These tools help us understand your comfort level with the markets, your financial priorities, and what you hope to accomplish. This preparation ensures we make the most of our time together and provide meaningful value from the very start.”
Is there a cost for the first meeting?
Our initial meeting is a complimentary one-hour conversation designed to help us learn about you, your goals, and what you’re hoping to accomplish. It’s an opportunity for both of us to determine whether we’re a good fit for one another. This meeting is a conversation— not a commitment—and there is no cost for that time.
What is your ongoing service policy?
Our service philosophy is to walk with you through every stage of your life. Your journey is unique, and we take that responsibility seriously. We customize your portfolio and financial plan to reflect your goals, needs, and priorities, staying in contact throughout the year by phone, email, face-to-face meetings, social media, and virtual appointments. While communication frequency is based on your preferences, we request a formal review at least annually, with additional meetings as needed when life changes occur. We are readily available whenever questions arise, and we proactively reach out when market conditions or personal circumstances call for updates or adjustments. We also guide you through key milestones such as Social Security, Required Minimum Distributions, and Medicare so you can plan with confidence.
Do you accept referrals?
Absolutely — we consider it a privilege when clients refer their friends, family, or colleagues to us. Many of the individuals we serve come through personal introductions, and we are always pleased to connect with those who are referred to us. A referral is one of the highest compliments we can receive.
Do I need a certain amount of income or assets to work with you?
We don’t have a strict minimum. That said, our planning and investment approach tends to be most effective for clients with meaningful and primarily investable assets — such as brokerage accounts, retirement plans, IRAs, and trust accounts. If you’re unsure whether you’re a fit, we’re happy to have a conversation.
How do you price your financial planning services and advice?
Our fees are determined by the products, services, and level of planning involved. Because each plan is customized to your goals and circumstances, pricing is not uniform. We outline all costs during the planning process so you can make informed decisions with full transparency.
Will my information be kept confidential?
Absolutely. Protecting your privacy is a top priority. All client information is kept strictly confidential, we safeguard all client data, and we utilize our encrypted email program with any sensitive information shared between us.
Why use an Independent Financial Advisor?
Journey Wealth Management is not limited to proprietary products, like some firms . This independence allows us to recommend the solutions best suited to your specific situation. Our customized approach gives you access to boutique-level wealth management designed around your needs, not a preset model. We partner with a wide range of investment companies and asset managers, providing thousands of investment options. Journey Wealth Management’s role is to design a personalized strategy aligned with your goals, time horizon, diversification, and comfort with various types of risk. Your objectives and purpose remain central to every recommendation we make.
*Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
Do you handle all my insurance needs?
Yes. We review your insurance needs across life (term and permanent), long-term care, annuities (fixed and variable), and disability coverage to ensure you have the right type and amount of protection. When appropriate, we help place coverage through reputable carriers. While we don’t offer health insurance or property and casualty insurance, we can offer guidance and connect you with reliable resources.
*Insurance products offered through LPL Financial or its licensed affiliates.
Do you provide Estate Planning services?
Yes. Thoughtful estate planning is essential to safeguarding your legacy and ensuring your wishes are carried out. Without proper planning, families can face unnecessary taxes, forced asset sales, or distributions that don’t align with their intentions. Journey Wealth Management offers comprehensive estate-planning support designed to help clients in preserving and transferring wealth with Confidence. These services include: Comprehensive Review of wills, trusts and beneficiary designations. Strategy design and refinement to align with your goals Asset-Preservation and philanthropic guidance and planning for charitable giving Business-ownership document review related to business ownership Point-of-Sale Support for business or asset sales.
*LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial. They also have access to non affiliated third parties that specialize in creating trusts and wills for use by LPL advisor’s clients.
How Do I log into my Account?
Click the Client Login Tab at the top right of the website to access the account view portal. A short disclaimer will pop up where you will click the tab to proceed to Account View. Remember, the username is the email we have on file. For security reasons, we do not keep your password. If you need assistance, please call our office at 972-422-5369.
Do I need to live in Texas to work with you?
No. While my firm is based in Murphy, Texas, I work with clients in multiple states. We can meet virtually, or I can travel for in-person meetings when needed.