Frequently Asked Questions

I'm sure you have a lot of questions. I hope I can make things a little easier by giving some information about what it's like to work with Deliberate Finances.


Have a different question? E-mail me.

Frequently Asked Questions

Why do I need a financial planner?

A Financial Planner provides two main benefits to clients: knowledge and behavior management. The knowledge, such as information about investing, taxes, estate planning, and insurance, you can learn on your own - if you have the time and interest to do so. Managing behavior and emotions is more difficult, and it can really help to have someone to keep you motivated and focused. Check out this one-page summary quantifying the value of financial planning advice (from Michael Kitces, Nerd's Eye View,

What does fee-only mean?

Fee-only financial advice means the only fees I accept come from you, the client. I don’t get paid for recommending a certain investment, or take a commission from selling insurance. This significantly reduces conflicts of interest, and lets me focus on what’s most important: the right decision for you.

Do I have to pay for the first meeting?

No. The introductory consultation is free.

Are you a fiduciary?

As a member of the XY Planning Network, I took a Fiduciary Oath to act in good faith and in the best interest of clients. Many advisers are not held to a fiduciary standard and are only required to make sure a recommendation is “suitable." Whether you decide to work with me or not, you should ask any financial planner you are considering if they are a fiduciary.

Where will we meet?

I offer virtual meetings (using videoconferencing software) and in-person meetings at my office if you’re in the New Orleans area. Many local clients like to meet in person for the first few meetings, but then switch to virtual meetings thereafter.

Can I work with you if I'm not in New Orleans?

Absolutely. I have clients in states across the country.

Do I need a lot of money to work with you?

No. Historically, financial planners have worked with clients only once they meet a minimum net worth. To me, this seems backwards, and it is the people who are working to build their wealth that could use a partner in achieving their goals. I designed my firm with this in mind, and have no minimum net worth or asset requirement.



Ryan Frailich, CFP® is a New Orleans, LA

based fee only financial planner serving clients here and across the country.

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© 2018 by Deliberate Finances.  All Rights Reserved.  Deliberate Finances, LLC is a Registered Investment Adviser in the state of Louisiana.