Your questions, answered.

No. The Full Edit Process was built specifically for content creators and creative business owners - but it's not exclusive to them. If you want your finances handled rather than just advised on, and you're done being the one managing all of it, we're worth a conversation. We also offer Just the Investments for anyone with $250k or more in investable assets, regardless of what you do for a living.

No. The Full Edit Process was built for content creators and creative business owners generating real income—full-time or not.

It's a conversation where we talk about where you are, where you want to go, and whether Finchly is the right fit. It's complimentary, there's no commitment, and you'll leave with clarity either way.

If it seems like a good fit, we build your Financial Edit—a personalized roadmap of every strategy, every account, and every priority, in order. We review it with you live before you pay anything or sign anything. You'll know exactly what we'd do before you commit.

No. Most people come to us because things aren't organized yet. That's the point.

We are probably a great fit if...

• You're running a real content or creative business—not just posting as a hobby. Your income is real, your business is real, and your financial life has gotten more complicated than a generic app or a once-a-year tax appointment can handle.
• You want your finances handled—not explained to you. You don't want a folder with recommendations you have to go execute yourself. You want someone to own it and run it.
• You already know the value of hiring the right pro. You've outsourced your editing, your management, your production. You know what it means to bring in someone who's better at something than you are—and you're ready to do that with your money.
• You're playing the long game. You're not looking for a one-time fix. You want a financial partner who knows your business, grows with you, and gets more valuable the longer you work together.

We'd rather be honest upfront than take you on before you're ready.

• You're still in the cash flow and debt phase. If you're still building your emergency fund or working through significant debt, the timing isn't right yet. Get there first—then come back.
• You want to stay in the driver's seat. If you want to make your own financial decisions and just need someone to check your work, that's not what we do. We take the wheel.
• You're shopping for the lowest price. We're not the cheapest option. We're the one that gets the job done right.
• You want a one-time plan, not a relationship. What we do is designed to compound over time. A one-time plan can't do what an ongoing partnership can.
• You want to react to the market. We don't make moves based on market swings or headlines. If you want to chase that, we're not the right fit.

It starts at $350/month, billed monthly. Your exact fee is set during Step 2—your Financial Edit—based on the complexity of your situation. You know exactly what it costs before you commit.

_{Please refer to firm's ADV Part 2A and the client's agreement for additional platform, strategist or any related fees that may apply.}

No. It's month-to-month. No annual commitment required.

For Full Edit Process clients, investment management is available as an add-on at a reduced rate—because you're already on the monthly subscription. That fee schedule is:

• Up to $250k: 0.80%
• $250k–$1M: 0.75%
• $1M–$5M: 0.60%
• $5M+: 0.50%

For Just the Investments (no monthly subscription), the fee schedule is:

• $250k–$1M: 1.25%
• $1M–$5M: 1.00%
• $5M+: 0.75%

The minimum for Just the Investments is $250k in investable assets. Fees are deducted quarterly directly from your account. Household assets are combined to qualify for better brackets.

_{Please refer to firm's ADV Part 2A and the client's agreement for additional platform, strategist or any related fees that may apply.}

No. Your monthly subscription covers your planning relationship. Investment management fees are disclosed before you sign anything. For certain products like life insurance, a commission may apply—we'll always tell you when that's the case.

Financial planning, income forecasting for variable income, tax strategy (coordinated with your CPA), retirement planning, business financial structure, investment management (add-on), basic estate planning, education planning, life insurance needs analysis, and life event planning. If it touches your financial life, it's in scope.

Most people hire a CPA for taxes, an attorney for legal matters, and a doctor for their health. A financial advisor is no different. Beyond the technical expertise, a good advisor helps you avoid the behavioral mistakes that quietly cost investors the most over time—selling when markets drop, sitting on cash too long, leaving accounts on autopilot. We handle the whole system so nothing gets missed while you stay focused on what you do best.

We aim to keep costs low, prioritize tax efficiency, and manage portfolios around your time horizon and risk tolerance—not market noise. We focus on what's actually in your control: savings, investing, tax-advantaged accounts, and making sure your portfolio reflects where you're going. We're long-term by design.

No. We handle tax strategy and coordinate closely with your CPA—but we don't prepare or file returns.

Yes. Coordinating with your existing team is part of how this works well.

That's exactly what we're built for. Brand deals, ad revenue, affiliate income, launches—your income doesn't fit a standard mold, and most financial systems aren't designed for it. We built Finchly to serve you.

Yes. Rolling over and consolidating old retirement accounts is a standard part of the work.

Your money is never held by Finchly directly. Client assets are held by two independent custodians:

• Pershing LLC (a subsidiary of BNY Mellon) holds brokerage and investment advisory account assets. BNY Mellon is one of the world's largest financial institutions and the nation's oldest continuously operating bank.
• Cetera Investment Services LLC serves as the IRA custodian, handling tax reporting and IRA administration

Both are subject to regular audits and strict financial requirements. You'll receive statements directly from your custodian—independent of Finchly—so you can verify your holdings anytime.

An independent advisor isn't tied to a larger financial institution—which means no sales quotas and no requirement to push proprietary products. We're affiliated with Cetera Wealth Services as our broker-dealer—they execute trades and provide regulatory oversight—but our recommendations are driven entirely by what's right for you. Cetera Wealth Services is part of Cetera Financial Group, the second-largest independent financial advisor network in the country. All Cetera broker-dealers are members of FINRA and SIPC.

Yes. You'll have access to Finchly's planning platform and receive statements directly from your custodian at all times.

Yes. As a fiduciary, we are legally and ethically required to put your interests ahead of everything else. Not every advisor is held to this standard. We are.

CFP®—Certified Financial Planner—is the most respected designation in the industry. It requires rigorous education, a comprehensive exam, thousands of hours of experience, and an ongoing ethics commitment. Brad earned his CFP® in 2022.

We offer fee-only solutions for advisory clients. For clients who need certain products like life insurance, those may involve a commission—and we'll always disclose that clearly. Our advice is never driven by what earns us more.

Yes—and you should. Look up Brad Clark and Finchly Finance on FINRA BrokerCheck. It's free and shows licensing, registration, and any disciplinary history.

Yes. Finchly is virtual-first. We work with clients across the United States.