Financial Planning FAQ for Springfield and Eugene, Oregon
Answers to common questions about working with a local, fee-only investment adviser representative.
FAQ: Getting Started
When can I get started?
We meet by appointment, 8 a.m. to 8 p.m., seven days a week. You can schedule online through our online calendar here or by calling 541-583-0093.
What should I expect from a complimentary initial consultation?
The goal of our initial consultation is to get to know you and your needs better, and to see if our services fit. It is confidential, no-obligation, and not high-pressure.
During this 30-minute session, we’ll discuss your goals, priorities, and any immediate concerns, whether they relate to investments, planning, or insurance. We’ll also introduce T. Mann Financial’s planning philosophy and the services we offer so you can decide if we’re the right partner for your financial journey.
*Although the firm does not charge a fee for attending the complimentary initial 30-minute consultation, the consultation is intended to result in establishing an advisory relationship.
Are you a financial adviser in Springfield or Eugene?
Yes. Todd Mann was born and raised in Springfield, Oregon, and still lives in the Springfield-Eugene area. T. Mann Financial is a registered investment adviser based in Springfield, serving clients throughout Oregon, including Lane County.
Do you ever meet clients in person in the Springfield-Eugene community?
Occasionally, yes. The vast majority of our client communication happens by Zoom, phone, and email, which we have found to be the most efficient way to deliver consistent service from Oregon to England. If your situation requires primarily or exclusively in-person meetings, another local adviser may be a better match for your needs.
Are you a fiduciary?
Yes. T. Mann Financial is a registered investment adviser, which means we are held to a fiduciary standard for our financial planning and wealth management services. That means we are required to act in your best interest when providing advice. You can verify our registration on the SEC's Investment Adviser Public Disclosure site.
Do I have to live in Oregon to work with T. Mann Financial?
​T. Mann Financial may only transact business in states where the firm is registered or qualifies for an exemption. We primarily serve Oregon residents. If you live outside Oregon, contact us and we can confirm whether we are able to serve you in your state.
​​​How do I prepare for the initial consultation?
To help us make the most of our time together, please complete one of the following options in advance of our meeting:
-
Click here to complete the Discovery Tool if you're interested in financial planning or wealth management.
-
Click here to request an insurance quote if you're seeking help with life, health, disability, long-term care, or other personal or business insurance.
FAQ: Our Services
What services do you offer Lane County clients?
We offer three core services to Oregon residents, including those in Lane County:
-
Financial Planning: goal-based planning, tax planning, retirement, education, and estate coordination.
-
Wealth Management: fee-only investment management held at Schwab, with portfolio analysis and custom direct indexing options.
-
Insurance: Medicare, Marketplace health, life, disability, long-term care, and group benefits.
What is the difference between financial planning and wealth management?
Financial planning is the strategy: setting goals, mapping out tax, retirement, insurance, and estate considerations, and building an action plan.
Wealth management is the investment side: putting that strategy into action by managing the investment portfolio that supports your goals. Many clients work with us on both, but they can be engaged separately.
​How much does it cost to see a financial planner?
​Initial consultations are complimentary. After that, the cost depends on the service you select. Our fees are listed transparently on our Pricing page. To schedule a complimentary consultation, book online here.
Do you charge for non-managed assets?
No, T. Mann Financial does not charge AUM fees on assets we do not directly manage. For example if you have us manage a retirement account, we will charge for that, but if you also have a rental property that we don't manage for you there is no additional AUM cost.
What is a Financial Plan?
A financial plan is a long-term framework for managing your finances so you can work toward your life goals while navigating the financial challenges that come with each stage of life.
Building a plan starts with a review of your current financial picture: income, expenses, assets, debts, taxes, and insurance. From there, we set measurable goals, build an action plan, and review the plan on an ongoing basis to make adjustments as life changes.
Learn more about our approach on our Financial Planning page.
What is Financial Literacy?
Financial literacy is the ability to use knowledge and skills to manage personal financial resources effectively for lifetime financial security. It includes understanding budgeting, saving, investing, debt management, taxes, and insurance.
Source: U.S. Financial Literacy and Education Commission, U.S. Department of the Treasury.
​What does fee-only mean?
T. Mann Financial is 100% fee-only. This means we do not earn commissions on financial planning or investment management services (no trailing commissions, 12b-1 fees, or backend revenue-sharing payments). Our compensation comes directly from the client, which removes the incentive to recommend specific products in those areas. Insurance services are separate and may result in commissions paid to T. Mann Financial; we disclose this in our advertising and in our written disclosure documents.
Do you have an account minimum?
We do not require a hard account minimum to begin a financial planning relationship. Wealth management pricing and any applicable thresholds are listed on our Pricing page.
What independent third-party custodian do you use?
We use Charles Schwab & Co., Inc. as our independent third-party custodian. Your accounts are opened in your name at Schwab, and Schwab holds your cash and securities, not our firm. We are granted limited authority to place trades and, if you authorize it, to deduct advisory fees, but we never take physical custody of your assets. You receive account statements and trade confirmations directly from Schwab and can log in to your accounts at any time to verify your holdings and activity independently of anything we report to you.
FAQ: Current Clients
How do I access my financial planning portal?
Check out our Financial Planning Portal page with links to each one for online client access.
How do I access my Schwab accounts?
Check out our Schwab Client Portal page with links to Schwab's Alliance Portal and helpful information on Schwab Mobile including explainer videos.
How do I e-sign documents?
Check out our E-signatures page with explainer videos on Schwab's Docusign platform, Google's Dochub, our Medicare tool Retireflow, and our Medicare tool Plan Compare Edge.
Submit a Question
