Every engagement is fee-only, and you agree to our flat fee before any work begins.
What we charge is never a percentage of your assets, never a commission, never a product sale.
From there it's a choice between two engagements: a one-time plan you take and implement yourself, or an ongoing relationship where we keep the plan current and, if you'd like, manage your investments as part of it.
Financial planning starts with where you are today and where you want to go, then maps the path between. We build you a written plan that looks at your whole picture, because every decision touches the others. Together we choose which areas to focus on, drawing from:
We don't offer investment management on its own. For ongoing planning clients who want their investments handled, we manage the portfolio on a discretionary basis, built around the goals, time horizon, and risk tolerance in your plan. We charge no additional advisory fee for it. Your assets stay in your name at an independent custodian; you own the account, and we manage it under limited authority you grant us. Where we engage a third-party investment manager to help implement your portfolio, that manager charges its own fee, typically calculated as a percentage of the assets it manages, which you pay in addition to our flat fee. We receive no part of that fee, and we tell you what it is before the manager is engaged.
That's what the first conversation is for.
Tell us what's on your mind, and we'll point you to the right starting place, at no cost and no obligation.
Haland Wealth Management is a DBA of Seventwotwentythree LLC - Haland Wealth Management LLC, an investment adviser registered in the State of Illinois. Registration does not imply a certain level of skill or training. As a registered investment adviser, the firm is a fiduciary and acts in its clients' best interests.
This website is for general informational and educational purposes only and does not constitute investment, legal, tax, or accounting advice, nor an offer, solicitation, or recommendation to buy or sell any security or to engage our advisory services. Advice is provided only to clients under a signed agreement. Investing involves risk, including the possible loss of principal; past performance does not guarantee future results. Nothing on this website is an offer to provide advisory services in any jurisdiction in which the firm is not registered or exempt.
"Paths to happiness" is not intended to give assurance as to achieving happiness.
Additional information about the firm is available at adviserinfo.sec.gov using CRD #336453. Our Form ADV Part 2A and Privacy Policy are available on request.
Sobhi Baghdadi is a CFP® professional; the CFP Board certification marks are held by the individual certificant, not the firm. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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