PLANNING EMPOWERS
Linden Oak offers straightforward, independent financial advice to women seeking financial mentorship without a hidden agenda. Whether you’re undergoing a divorce, planning for retirement, or opening your first savings account, fee-only Linden Oak advising will give you the resources you need to meet any life change with financial confidence.
THE ‘LIFE COACH’ APPROACH
Financial advisor Wendy Moyers started Linden Oak in 2014 after years of seeing women leave financial offices less confident in managing their money than before they came in, blaming themselves for their ignorance instead of a broken system designed to confuse and intimidate.
What many advisors won’t tell you is that their commission-based paycheck thrives on keeping you in the dark. The more dependent you are on their expertise, the more money they make.
Wendy and her growing team of financial advisors give you the foundational knowledge to understand the what, how, and why behind stocks, bonds, retirement plans, risk management, and more.
They take advising a step further, helping you implement those through coaching and training. By identifying behavioral motivators and setbacks, the Linden Oak team allows clients to set and achieve goals that make sense for their agenda and their agenda only.
FOUNDER WENDY MOYERS
Wendy has been in the financial services industry for more than 20 years as an investment professional and financial planner. She is a certified financial planner practitioner and member of the National Association of Personal Financial Advisors (NAPEA), the leading professional association of fee-only financial advisors. A Colorado native, she moved to the DC metro area in 1998 and currently resides in Kensington, MD, with her two daughters.
Wendy also contributes her consulting talents to the Washington Area Women’s Foundation, Suburban Hospital Estate, Planning Journal Club, and Montgomery County Estate Planning Council.
SERVICES | Why fee-only?
There are two types of financial planners: Fee-only and fee-based. Fee-only financial planners are more likely to have your best interests in mind.
FEE-ONLY
Fee-only financial planners are registered investment advisors with a fiduciary responsibility to act in their client’s best interest. This means they can only receive compensation directly from the client and do not accept any fees, compensation, or commission based on product sales.
The Fiduciary Standard requires that an advisor put the clients interest first. It is adhered by the Registered Investment Advisors and enforced by the Securities and Exchange Commission (SEC).
FEE-BASED
Fee-based planners are compensated via fees for advice as well as commissions on the sale of financial products. A fee-based financial planner can receive fees not only paid by you, but also commissions paid by a brokerage firm, mutual fund company, insurance company, or investment partnership.
Fee-based financial planners must comply with the Suitability Standard, which requires that a broker make recommendations that are suitable based on the client’s personal situation, but does not require the advice to be in the client’s best interest.