Frequently Asked Questions (FAQs) of Financial Planning

What will my financial plan cover?

Your plan is built around your specific situation, not a generic template. At minimum, we look at your current financial position, insurance or risk
planning, investment planning, retirement planning, tax planning, and estate planning. Using our planning software, we can model out different
scenarios so you can see the real financial impact of a decision you're weighing, and your plan evolves right along with you as life changes.

With so much free information online, why should I work with you?

It sounds simple, but a real financial plan is more complex than a generic internet article or a low-cost robo-platform can capture. My team and I
go above and beyond the numbers to learn about you and your family's values and goals, so the advice you get is actually built for your life, not a
template.

How are you compensated, and what are your fees?

We believe transparency is an important part of building trust, so we'll always explain our fees clearly before you make any decisions.
We offer two ways to work together:

• Ongoing Comprehensive Planning & Wealth Management is our most comprehensive relationship. It includes ongoing financial planning,
  fiduciary investment management, and proactive guidance as your life and the financial landscape evolve. This option includes a one-time
  $3,000 onboarding fee, along with an ongoing asset management fee based on the amount of assets we manage on your behalf.
• À La Carte Financial Planning is designed for clients who want a comprehensive financial plan without ongoing investment management.
  You'll receive a personalized financial plan along with 12 months of access to us for questions and guidance. Because we aren't managing the
  assets or implementing recommendations, this engagement does not include ongoing fiduciary oversight of your wealth. Fees are quoted as a
  flat amount based on the complexity of your situation.

No matter which option you choose, our goal is the same: to help you make thoughtful financial decisions with clarity and confidence.

How do you work with people who have money fears?

Money carries a lot of emotion, and that's completely normal. We move at a pace that's right for you, and we never judge your habits or make you
feel embarrassed. By the time your plan is built, most clients feel more confident about money, not less.

Who is Silverberg Financial best suited to help?

Our clients are typically individuals and families who want more than just investment management. They're looking for a trusted partner to help
coordinate every aspect of their financial life, from retirement and tax planning to estate planning, investment management, and major life
decisions. Whether you're preparing for retirement, already retired, navigating a significant life transition, or simply looking for greater clarity and
confidence, our goal is to help you make better financial decisions and enjoy the life you've worked so hard to build.

What makes Silverberg Financial different?

Many financial advisors focus primarily on managing investments. We believe investments are just one piece of a much bigger picture. Our
approach begins by understanding what matters most to you, then coordinating your investments, taxes, retirement, estate planning, insurance,
and other financial decisions into one thoughtful strategy designed to support the life you want to live.

What's the next step, and what should I bring to our first meeting?

To get started, we set up a first meeting so we can get to know each other. Come with a list of your financial questions or concerns, that's really all
you need. From there, we'll figure out together how we can help.