Frequently Asked Questions

Who is your typical client?
Hinman Financial Planning works with individuals, couples and families for whom one or more of the following applies:
1. Residents of Erie, Boulder, and surrounding communities in Colorado.
2. People ages 35-55 from around the country who don’t mind meeting virtually.
3. People who are motivated to achieve their goals and want a partner to help them on their way.
Who wouldn’t be a good fit?
Anyone who is averse to technology. Anyone who believes they can beat the market, who wants the latest hot stock tip, or who wants to talk about daily stock returns.
What are your firm's values?
In thinking about the type of firm I wanted to run, I kept coming back to the concept of Midwestern values (or at least my idea of them). This means working hard, providing good quality work, thinking long-term, and doing so at a reasonable cost.
Do I have to come to your office?
You are always welcome to meet with me at my office in Erie, and I can also meet with clients in Boulder. Virtual meetings work very well, too, when meeting in person isn’t possible, or convenient. Phone meetings are an option, too, though not always ideal.
How do you approach working with clients?
We will begin by talking about you, your circumstances, your goals, and your expectations for our relationship. Some people need an accountability coach, others just somebody to verify and/or provide a second opinion. Others have no interest in, nor knowledge about, finances. I customize my work with you based on your needs, not mine.

As for me, you can expect me to help keep you focused on the big picture, and to try to simplify the complex wherever possible. I tend to be pretty straightforward and try to speak plainly and to the point. I will be your biggest cheerleader, but I’m also ready to have difficult conversations when necessary. (I am a mother of teenagers!)

What if I’m not sure about my goals?
What if you don’t know what your goals are, or what they should be? Are you worried that you aren’t on track? Do your goals feel out of alignment with your values? In our work together, we will explore all of these areas, customizing our process to fit your needs.
Do I have to pay for our introductory meeting?
No. The introductory meeting is free.
Why is CFP® important?
CFP® professionals must have attained a college degree, and are required to complete an advance college-level course of study in financial planning. In addition, they have passed the comprehensive 10-hour, 2 day CFP® Certification Examination, and have completed at least three years of full-time financial planning-related experience.
What does ``fee-only`` mean?
Fee-only advisors get paid for the advice and guidance they provide. They do not receive commissions, nor do they sell products. The client – and the client’s needs – are at the center of the relationship, not some firm the advisor represents or the products the firm sells.
Do you manage investments?
Yes. I believe the most productive relationships are those where I work with clients in both a financial planning and investment management capacity. That said, you are under no obligation to do both. Financial planning and investment management are available as separate services. You are under no obligation to do both.
This all sounds great, what is the next step?
Feel free to schedule an Introductory Meeting by visiting the Schedule a Meeting page. You can call or email me, too, using the information on the Contact page. If you aren’t yet ready to meet, you can register to receive Blog updates and firm announcements here.