Broker Check

FAQ

T² Financial – Frequently Asked Questions

Welcome! If you’re exploring financial planning or investment management, you probably have questions. Here’s a clear, conversational guide to the things people ask me most often. If you don’t find what you’re looking for, we are always happy to help—just reach out anytime.

Working With T² Financial

Working With T² Financial

  • If you want a long-term partner who helps you set meaningful goals and create a realistic plan to reach them, you’re in the right place. I don’t chase trends or try to “beat the market.” Instead, I focus on what you can control—your goals, your timeline, and an investment strategy built with discipline and intention.

  • I work with individuals and families who have built a strong financial foundation and want a more structured, intentional approach to managing it.

    Most of my clients are busy professionals and growing families who are balancing careers, household responsibilities, and long-term planning. They value organization, clarity, and a long-term relationship with their advisor rather than trying to manage everything on their own.

  • Most clients pay a transparent asset-based advisory fee, billed quarterly. Financial planning is offered as a separate service with its own fee, which may be reduced—or even waived—depending on your situation.

  • I’m fully registered through LPL Financial, a leading independent broker-dealer. They oversee my licensing, compliance, and regulatory requirements. Your investments are always held with an independent custodian—never in my name.

  • Yes. As an Investment Adviser Representative, I’m legally required to act in your best interest. We’ll talk through what fiduciary care looks like during your introductory meeting.

  • I bring more than 12 years of experience in financial services, supported by:

    • Series 7 & 66 securities licenses
    • Insurance licenses (life, disability, long-term care)
    • AAMS® – Accredited Asset Management Specialist
    • CRPC® – Chartered Retirement Planning Counselor


    These designations give me deep experience in investment planning, tax-smart strategies, retirement income planning, and helping clients transition confidently into retirement.

  • Many of the clients I work with already have accounts in place. My role is to bring structure and alignment to those pieces—so your financial life works together, not in separate parts.

Financial Planning & Investments

  • I provide ongoing investment management and comprehensive financial planning, including:

    • Retirement planning
    • Tax strategies and coordination
    • Goal tracking
    • Insurance reviews
    • Collaboration with CPAs and attorneys
    • Portfolio design and monitoring

  • My approach is grounded in long-term, evidence-based investing:

    • Evidence over emotion: Decisions are driven by research, not headlines.
    • Diversification: Risk is spread across thousands of companies globally.
    • Low cost: I use institutional-class mutual funds and ETFs when appropriate.
    • Tax efficiency: Strategies like tax-loss harvesting and asset location help keep more of your returns.
    • Discipline: Portfolios are rebalanced systematically—not based on fear or market noise.


    (Diversification does not guarantee profit or protect against loss.)

  • We look beyond a single number. I review your savings, income sources, healthcare costs, and lifestyle goals. I can also stress test your plan to see how it holds up under real-life curveballs—market swings, inflation changes, unexpected expenses, and more.

  • Yes. I work with clients both locally and across the country through secure virtual meetings, phone, and ongoing digital communication.

    This allows for a consistent, long-term advisory relationship regardless of location, while still providing a high level of personalization and attention

Accounts & Security

Accounts & Security

  • When we open your account, we set up a secure ACH link to your bank. From there, you can move money through:

    • A verbal request to my office (verbal authorization required)
    • LPL Account View®, where you can make mobile deposits and initiate transfers

  • Security is a top priority. I use encrypted communication tools, two-factor authentication, and a secure document vault to protect your personal and financial information.


Getting Started

  • We start with a conversation focused on you—your goals, your current situation, and what you want to improve. There’s no pressure or commitment. It’s simply a chance to get clarity and see if working together makes sense for you.

  • I’d love to connect.
    Schedule a complimentary call or email michelle.paris@lpl.com

Let’s Have a Conversation

A simple first step to see if working together makes sense.

Schedule A Call