A simple spreadsheet for his dad sparked a complete career pivot. In this episode, Andy Cole breaks down his move from civil engineering to fee-only financial planning—and how he built a lean, resilient practice while working full time and raising a family. What began as a deep dive into risk-adjusted returns evolved into a planning-first firm serving engineers with a flexible, transparent fee model. Andy shares the early challenges of running a solo RIA—compliance, invoicing, endless paperwo...
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A simple spreadsheet for his dad sparked a complete career pivot. In this episode, Andy Cole breaks down his move from civil engineering to fee-only financial planning—and how he built a lean, resilient practice while working full time and raising a family. What began as a deep dive into risk-adjusted returns evolved into a planning-first firm serving engineers with a flexible, transparent fee model. Andy shares the early challenges of running a solo RIA—compliance, invoicing, endless paperwo...
#142 - From Cold Calls to Community: Krystal Fortner on Building a Client-First Firm
Only Fee-Only
23 minutes
2 months ago
#142 - From Cold Calls to Community: Krystal Fortner on Building a Client-First Firm
Krystal Fortner built a thriving, advice-only firm by choosing clarity, community, and client-first values over sales pressure. In this episode, we trace her path from cold-calling at a wirehouse to launching her RIA with same-day state approval, and how learning product sales made her a stronger fiduciary. Krystal shares how witnessing a "don't ask questions" sales culture shaped her ethical approach and how one generous Saturday conversation sparked a lasting referral flywheel. We also dig ...
Only Fee-Only
A simple spreadsheet for his dad sparked a complete career pivot. In this episode, Andy Cole breaks down his move from civil engineering to fee-only financial planning—and how he built a lean, resilient practice while working full time and raising a family. What began as a deep dive into risk-adjusted returns evolved into a planning-first firm serving engineers with a flexible, transparent fee model. Andy shares the early challenges of running a solo RIA—compliance, invoicing, endless paperwo...
