Are you a fiduciary 100% of the time?

Yes. I’m pretty passionate about this. I act as a fiduciary at all times, which means your best interest always come first - no exceptions. You’ll get advice that’s objective, transparent, and aligned with your goals, not driven by commissions or sales. Fee-only isn’t perfect, but when there is potential for conflict of interest, I will let you know.

Do you sell insurance?

No, I don’t sell insurance - and I don’t receive referral fees either. I give advice and I manage investments. When insurance or other products and services such as a mortgage, tax filing, or an estate attorney, are part of my recommendations, I can connect you with trusted professionals who shares my philosophy: educate first, recommend only what’s truly needed, and never push a product. You’ll get expert guidance without pressure so you can make information decisions that serve your goals. You are also free to use your own professionals and I would be happy to coordinate with them.

Do you work with people who aren’t in the military?

Absolutely! While I specialize in working with military professionals, I also serve others whose paths may look different. For example, every military couple is a team - and each partner brings a unique career journey.

I continue to work with service members and their families beyond active duty. Transitioning out of the military presents a powerful opportunity to maximize your earned benefits, to dream BIG, and design a life that fits your values and goals.

How do you get paid?

I am a fee-only, flat-fee advisor, which means that I am only paid by my clients, not by product sales, commissions, referral fees, or investment account balances. Depending on your needs, I am paid through one or a combination of:

• Hourly or project work fees

• Ongoing financial planning fees

Do I have to be local to work with you?

Not at all. As a military family, we know that moving is practically guaranteed, which is why Formynder Wealth Management is 100% remote and built to support you wherever you are.

That said, if you’re ever close to Fredericksburg, VA and would like to meet in person, whether at a coffee shop, your home, or somewhere else, I’d be happy to make that happen.

What makes you different from other financial planning firms?

We start with what matters most to you; this is not just about your money. It’s about your goals, values, and vision for life during and after the military. From there, we build a personalized plan together to help you get where you want to go, with clarity and confidence.

I do not subscribe to chasing the highest return. I want to help you design a life that feels right and to use your financial resources to support that life.

What is “Formynder”?

Pronounced “for-men-der“, it is Norwegian for “Guardian” or “Trustee”. A Formynder operates as a source of protection and responsibility, ensuring the best interests of the person they are appointed to support.

The use of the Nordic word itself draws on my ancestorial heritage as a 4th generation American, whose ancestors immigrated to America beginning in 1856. “Guardian” also happens to be the callsign of my first assigned unit in the Marine Corps.