The Sleep at night Score™ · Dynamic Financial Planning
Are you certain everything is set up the way it should be?
You've built something real. This is 10 questions that give you an honest picture of whether the structure around it is as strong as it should be — and starts to show where the gaps may exist.
WHY THIS MATTERSWealth doesn’t protect itself.
Most people with meaningful wealth have never had anyone pull the full picture together. Coverage that hasn't been updated. Estate documents that haven't been touched. Equity accumulating without a tax strategy. Accounts growing in parallel instead of as a system.
None of it is a crisis. But it adds up to a structure that's less protected than it looks.
That's what this score helps you see.
THE SIGNALAs things grow, decisions start to overlap.
What used to be simple now needs to work together. That's where clarity starts to break down.
It usually shows up like this:
—Decisions feel heavier than they should.
—You revisit things more often.
—There's no single place everything connects.
Nothing feels broken. But it doesn't feel as clear as it should either.
That feeling is the signal.
See whether everything is actually working the way you expect with your Sleep at Night Score™
Dynamic Financial Planning is a registered investment adviser in the State of Arizona. This tool is for educational and informational purposes only and does not constitute personalized financial, tax, legal, or investment advice. Results are general in nature and may not reflect your specific situation. Use of this tool does not establish a client-adviser relationship.
COMMON QUESTIONSWhat is a fiduciary financial advisor?
A fiduciary financial advisor is legally required to act in your best interest at all times. Not all advisors operate under this standard — some follow a suitability standard, which allows them to recommend products that are appropriate but not necessarily optimal for you.
What's the difference between fee-only and fee-based financial advisors?
Fee-only advisors are paid exclusively by their clients — no commissions, no product revenue. Fee-based advisors charge a fee but may also earn commissions from products they recommend, which creates potential conflicts of interest.
How do I know if my financial advisor is acting in my best interest?
Ask directly whether they are a fiduciary at all times and request a clear explanation of every way they and their firm are compensated. If the answer is unclear or takes time to get back to you, that's useful information. You can also verify registration status at brokercheck.finra.org or adviserinfo.sec.gov.
What should a financial plan include beyond investments?
A complete financial plan typically includes tax strategy, insurance review, estate planning, cash flow structure, equity compensation planning, and coordination with your CPA and estate attorney — not just portfolio management.
Can an advisor be a CFP® or CFA and still have conflicts of interest?
Yes. CFP® and CFA are credentials that signal training and ethics. They do not determine how an advisor's firm is registered or whether they earn commissions. A CFP® who works inside a broker-dealer structure can still earn commissions on certain recommendations. The fiduciary obligation comes from registration, not credentials.
What's the difference between a fiduciary standard and a suitability standard?
The fiduciary standard requires your advisor to recommend what is best for you at all times. The suitability standard only requires recommendations to be appropriate — not necessarily optimal. Under the suitability standard, an advisor can recommend a product that pays them more even if a better, lower-cost option exists for you.
When should I get a second opinion on my financial advisor?
If you feel like a number, struggle to reach your advisor when decisions come up, don't understand how they're compensated, or your financial life has grown more complex than the relationship was originally designed for — those are reasonable signals to ask questions.
Dynamic Financial Planning is a registered investment adviser in the State of Arizona. The Fiduciary Audit is provided for educational purposes and does not constitute financial, legal, or tax advice. Results are not personalized financial recommendations. Registration does not imply a certain level of skill or training.
Dynamic Financial Planning operates on a fee-only basis. The firm does not receive commissions, referral fees, or compensation from third parties. All fees are disclosed in the firm's Form ADV, available at adviserinfo.sec.gov.