True Worth Financial Planning

The firm is philosophically aligned with the efficient-markets framework advanced by Dimensional Fund Advisors, which means it believes market prices embed available information and that excess returns are most reliably captured through systematic exposure to known risk factors — size, value, and profitability — rather than through security selection or market timing. This translates into portfolios that are broadly diversified but deliberately overweight small-cap and value-oriented companies. The firm rejects active stock-picking and tactical asset allocation in favor of structured, evidence-based portfolio design.

As a fee-only RIA, True Worth is compensated solely by advisory fees charged as a percentage of assets under management or as a flat retainer for financial planning services. The firm does not receive commissions from mutual fund companies, insurance carriers, or product sponsors. This compensation model aligns the firm's revenue growth directly with client portfolio performance and eliminates the conflict-of-interest structure inherent in commission-based brokerage models.