Frequently Asked Questions

Short answer: It is never too early to start a relationship with a financial planner.  A common misconception is people assume they need money to invest in order to work with a financial advisor.  In some cases, that may be true depending on how certain advisors charge for their services.  At TM3 Wealth, our philosophy is rooted in developing deep, long-lasting relationships with our clients and helping them through the many challenges that life throws at them.  We will help you make smart financial decisions to put you in the best possible position to succeed and achieve your goals.  While many advisors will wait to take on clients once they have amassed their wealth, our goal is to start a relationship earlier to help build your wealth along with providing guidance on all financial matters that you may have questions on.

We absolutely do!  In fact, we have many relationships with clients and professionals in other states.  Given that many of our interactions are virtual, even with our clients in the Twin Cities, we have invested in technology that makes for a seamless and convenient way to engage and deepen relationships across the country.

Beyond traditional finance strategies and what you may already associate with financial service professionals, TM3 Wealth has a deep understanding of Behavioral Financial Advice and prides itself on getting to the real reason why people do what they do with their money.  We accomplish this by taking the time to truly understand what our clients value and get to know them on a deeper level.  Given that we provide comprehensive advice, we are generally the first contact made when a need arises even beyond financial questions.  In addition, we have a very unique story and value proposition with wealth management that many people have not experienced before.

TM3 Wealth is part of the Thrivent Advisor Network (“TAN”), a legal entity separate from Thrivent Financial. This means we are affiliated with Thrivent but operate as an independent practice. TM3 Wealth has access to Thrivent Financial insurance products as well as other company’s insurance products. In addition, we have the ability to invest in any mutual fund, ETF, individual stock, or bond that we choose. Click here to learn more about the Thrivent Advisor Network and Thrivent Financial.

At TM3 Wealth, we believe in transparency and are always happy to answer questions surrounding fees.  For comprehensive financial planning services, we charge an annual fee that is based on the complexity of your situation and starts at $1,500/yr.  For Wealth Management, we charge an asset under management fee which is a percentage of the total assets being managed.  There are linear breakpoints which means, the more money you entrust with us to manage, the lower the percentage will be.  We pride ourselves with charging lower fees for wealth management services than industry averages.  To learn more, click here.