For years brokers who sell products that pay them commissions were not required to put the client’s interests first when advising on a retirement plan. Independent fee-only advisers like Mendel Money Management were always required to do this. The attraction of our model is that our interests are aligned with our clients, unlike the commission based broker. They make a commission on each transaction and this commission differs based on each product they sell. Our model is fee-only and based on assets under management. The more money we make for our clients, the more money we earn as well. Our incentive is to choose the best investments for you, not the ones that pay the highest commission.

Why Investing Early Is the Key to Achieving Financial Goals
For long-term investors, knowing the difference between what can and cannot be controlled is the key to both financial success and peace of mind. While all investors would like to believe they can predict or even control the direction of the market, experience teaches us that this is difficult to do. Constructing and managing an appropriate portfolio, while making strategic and tactical allocations based on market opportunities, ideally with the guidance of a trusted advisor, is often the best approach. However, while following markets and maintaining perspective on the economy is important, an even more fundamental key to success is simply to start saving early, stay invested, and remain focused on long-term financial goals. What can investors do to benefit from these principles today?