--- title: FAQ description: Get clear, concise answers to your most pressing questions about our investment services, fees, strategies, and account options at our FAQ page. image: https://www.financialboss.com/hubfs/Feature%20image_Homepage.png --- [![Financial Boss Logo](https://www.financialboss.com/hs-fs/hubfs/Financial%20Boss%20Logo%20Words%20Only-Color50px.png?width=436&height=50&name=Financial%20Boss%20Logo%20Words%20Only-Color50px.png "Financial Boss Logo")](https://www.financialboss.com/?hsLang=en) [![Financial Boss Logo](https://www.financialboss.com/hs-fs/hubfs/Financial%20Boss%20Logo%20Words%20Only-Color50px.png?width=436&height=50&name=Financial%20Boss%20Logo%20Words%20Only-Color50px.png "Financial Boss Logo")](https://www.financialboss.com/?hsLang=en) - [About](https://www.financialboss.com/about) - [Fee-Only Fiduciary](https://www.financialboss.com/fee-only-fiduciary) - [Pricing](https://www.financialboss.com/pricing) - [Resources](https://www.financialboss.com/contact-us) - [Blog](https://www.financialboss.com/blog) - [Contact](https://www.financialboss.com/contact-us) - [FAQ](https://www.financialboss.com/faq) [Client Login](https://app.rightcapital.com/account/login) [Join Waitlist](https://www.financialboss.com/pricing?hsLang=en)Bonjour [Client Login](https://app.rightcapital.com/account/login) [Join Waitlist](https://www.financialboss.com/waitlist?hsLang=en) - [About](https://www.financialboss.com/about) - [Fee-Only Fiduciary](https://www.financialboss.com/fee-only-fiduciary) - [Pricing](https://www.financialboss.com/pricing) - [Resources](https://www.financialboss.com/contact-us) - [Blog](https://www.financialboss.com/blog) - [Contact](https://www.financialboss.com/contact-us) - [FAQ](https://www.financialboss.com/faq) [Learn More](https://www.financialboss.com/faq#learn-more)[Choose Boss](https://www.financialboss.com/pricing?hsLang=en) Frequently Asked Questions # Find answers and general information quickly. ![rocket](https://f.hubspotusercontent20.net/hubfs/273774/act3/images/sample-z32k7.svg) ##### Getting Started Resources to help you get started. [Getting Started](https://www.financialboss.com/faq#start) ![payment](https://f.hubspotusercontent20.net/hubfs/273774/act3/images/sample-no5at.svg) ##### Payment and Billing Payment methods, invoices. [Payment and Billing](https://www.financialboss.com/faq#payment) ![users](https://f.hubspotusercontent20.net/hubfs/273774/act3/images/sample-blr05.svg) ##### Account Management Manage seats, permissions, tasks. [Account Management](https://www.financialboss.com/faq#account) ## Getting Started What is the process for opening an account? Financial Boss uses a waitlist to ensure every new client gets the same quality and attention. Click "[Join Waitlist](https://www.financialboss.com/waitlist?hsLang=en)" to fill out a form and schedule a free call. If we're a match, you'll receive an agreement to e-sign and a link for payment details. Once completed, we'll send links to Monarch Money, RightCapital, or Altruist, based on your chosen plan and investment management preference. What financial planning services do you provide? Visit our [Pricing](https://www.financialboss.com/pricing?hsLang=en) page for details on our financial planning services. The Secure Plan focuses on budgeting and debt management, while the Comfortable Plan also includes retirement and investment planning. What types of investment accounts do you offer? Financial Boss provides financial planning advice to all its clients. We can also advise on investments held outside our firm, such as your 401(k) or 529 College Savings Plan. Some clients prefer that we directly manage their investments through our custodian Altruist. In those cases, we support most every type of account, including: **Non-Retirement Accounts** - Individual  - Joint Tenants by the Entirety (JTBE)\* - Joint Tenants in Common (JTIC)\* - Joint Community Property(JCP)\* - Joint with Rights of Survivorship (JWROS) - Personal Trust **Minor Accounts** - UGMA - UTMA - Minor IRA - Minor Roth IRA **Retirement Accounts** - Beneficiary IRA  - Beneficiary Roth IRA - Retirement Trust - Rollover IRA - Roth IRA - Roth Solo 401(k) - SEP IRA - SIMPLE IRA - Solo 401(k)  - Traditional IRA **Cash Accounts** - Individual Cash  - Joint Cash \* Please Note: - Beneficiaries aren’t supported for these Joint account types.  - Joint Community Property is only for married residents of AZ, CA, ID, LA, NV, NM, TX, WA, WI; If one owner dies, his/her interest passes to their estate. - Tenants by Entirety is only for married residents of AK, AR, DC, DE, FL, HI, MA, MD, MI, MO, MS,  NJ,  OK, PA, RI, TN, VA, VT, WY; If one owner dies, his/her interest passes to the surviving owner. - There are additional states that allow tenancy by entirety only for “real property” (such as real estate); however, this does not apply to “personal property” (such as brokerage accounts). As such, we can only open brokerage accounts in the states listed above. How do you determine the right investment strategy for me? Whether we manage your investments directly or you're a Comfortable Plan client with investments elsewhere, we'll guide you through a risk tolerance questionnaire. This helps us align everything with your financial goals, time horizon, and any ESG preferences, so we can craft a personalized investment plan just for you. Can I transfer my existing investments to Financial Boss? Yes, you can transfer your eligible investment accounts to Financial Boss easily. Our digital process is quick and hassle-free. Visit our Investment page for options like direct indexing and custom ESG portfolios. Are the investments managed by Financial Boss insured? Financial Boss partners with Altruist to custody client assets. Altruist Financial LLC is a broker-dealer registered with the United States Securities and Exchange Commission (the “SEC”) and member of the Financial Industry Regulatory Authority (“FINRA”).  Altruist Financial LLC is a member of the Securities Investor Protection Corporation (“SIPC”), which means securities held in your brokerage account are protected up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org. In addition, Altruist Financial LLC carries an excess SIPC policy with underwriters at Lloyd’s of London, which extends the per account coverage by an additional $40 million (with a cash sub limit of $2 million), subject to an aggregate limit of $150 million across all Altruist accounts. Repurchase agreements, reverse repurchase and stock loan transactions, as well as certain mutual funds, may not be covered by the excess SIPC bond. [Back to top](https://www.financialboss.com/faq#top) ## Payment and Billing How much do you charge? Visit our [Pricing](https://www.financialboss.com/pricing?hsLang=en) page for details on our fees. We charge a monthly financial planning fee and an assets under management fee for direct investment management. Do you have any account minimums? No, we don't require a minimum asset amount to start. Financial Boss knows that many Millennials are new to investing and have savings in 401(k) plans. We aim to make financial planning easy and accessible for all. Can I save on financial planning if you manage my investments? Yes, we're happy to waive the monthly financial planning fee when we manage at least $500k in your investable assets. Do you charge an upfront fee? No, Financial Boss charges in arrears, which means your first payment isn't due until 30-days after you start with us. What if I need to cancel? We expect our clients to work with us on an ongoing monthly basis, since life’s always changing with promotions, layoffs, and new decisions, but you can cancel at any time by providing one month's written notice.  How am I invoiced? After setting up your Financial Boss account, look for an email from AdvicePay to manage invoices via credit card or ACH. Investment services can be billed through Altruist and debited from your account. [Back to top](https://www.financialboss.com/faq#top) ## Account Management How do I access my accounts online? Accessing your accounts is a breeze! Simply click on the Client Login button at the top of our website and choose from Monarch Money, RightCapital, or Altruist. What should I do if I forget my password or get locked out of my account? If you’re having trouble logging in, just try the Forgot Password feature on the website you're trying to access. If you still need a hand, feel free to email us at [support@financialboss.com](mailto:support@financialboss.com). We’re here to help! How do I connect my accounts to Monarch Money? Monarch Money helps you track income and expenses, understand cash flow, and set a budget. Log in via the Client Login button on our website, go to the Account tab, and click + Add account to search for your financial institution. How do I connect my accounts to RightCapital? RightCapital simplifies financial planning, from retirement to taxes. Click Client Login on our website, log in to RightCapital, access the Profile tab on the top-right of the menu, and click + Link Account to find your financial institution. How do I access my investments and view my account performance? Financial Boss partners with Altruist for your investments. Access your account via the Client Login button on our website. For investments we don't manage, find them on RightCapital if linked through our account aggregator. How can I contact my financial advisor? Clients receive a meeting link to schedule time with their advisor. They also receive an email and phone number that they can call or text. If none of those options work, then please email support@financialboss.com. [Back to top](https://www.financialboss.com/faq#top) Ready to live your best life? ## Take the first step. [Join Waitlist](https://www.financialboss.com/waitlist?hsLang=en) # Subscribe to updates Stay up to date with the latest marketing, sales, and financial tips and news. - [Privacy Policy](https://www.financialboss.com/privacy-policy?hsLang=en) - [Disclaimer](https://www.financialboss.com/disclaimer?hsLang=en) - [Form ADV Part 2A and 2B](https://adviserinfo.sec.gov/firm/summary/319060) - [Contact](mailto:support@financialboss.com) © Copyright 2026 **Financial Boss Advisors LLC** Financial Boss Advisors LLC is an Investment Adviser offering services in New York and in other jurisdictions where exempt from registration. All views, expressions, and opinions included in this communication are subject to change. Please contact us if there is any change in your financial situation, needs, goals or objectives. The information contained in this electronic communication is intended only for the use of the recipient. For your privacy and security, do not include sensitive information using emails that are not secured. Advisory services offered through Financial Boss Advisors LLC, an investment advisor registered with the State of New York. Advisory services are only offered to clients or prospective clients where Financial Boss Advisors LLC and its representatives are properly registered or exempt from registration. The information on this site is not intended as tax, accounting, or legal advice, nor is it an offer or solicitation to buy or sell, or as an endorsement of any company, security, and, or other offering. Information provided should not be solely relied upon for decision making. Please consult your legal, tax, or accounting professional regarding your specific situation. Investments involved risk and have the potential for complete loss. It should not be assumed that any recommendations made will necessarily be profitable. The information on this site is provided “AS IS” and without warranties either express or implied and the information may not be free from error. Your use of the information provided is at your sole risk. The information linked to on third-party sites is being provided strictly as a courtesy and convenience. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. When you access these websites, you are leaving our website and assume any and all responsibility and risk for use of the websites you are visiting.