Ryan Sterling

speaker

807 appearances 4 recordings 1 series first heard Feb 2026 last heard 7 Sep

Ryan Sterling’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 4 in all, peaking in Sep 2026 with 1.

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NerdWallet's Smart Money Podcast · Stop Worrying About Your Financial Advisor and Start Finding the Right One · 25 Jun 2026 podcast

Okay, so what are the pros and cons of that?

As again, I mentioned the pros, it's very easy to know how you're paying the advisor.

The cons are, this is why we stopped doing this, is that when you charge a one-time plan, at least for people who are in the wealth building stage of their life,

Life is so dynamic and things change.

So I can build the world's best plan for you and charge you $5,000.

And then two months from now, that plan could be completely obsolete.

It then also goes back to this being simple but not easy in that I just noticed when I was working under that fee structure that, again, we'd have a plan that works.

And here's the plan.

Go execute.

And then I'd check in six months later.

and people get busy people have lives they change jobs they have young families and nothing gets done and next thing you know they paid five thousand dollars for something just that sat in a drawer and i'm someone where like i'm very outcomes focused and like when i work with my clients like i want to see the transformation and it was really hard to see where it's like gosh like this person paid so much money and we built the the plan for them that you know again we felt was the right plan going forward and then they just didn't execute on it

So that was where it just became kind of like really frustrating working under that model.

And I just felt that the clients that were paying us under the flat fee model weren't having the best outcomes.

Okay, so then there's the hourly model.

And I experimented with that.

And the problem with that is that people then get obsessed with hours.

And then they don't reach out to you because they don't want to be charged.

And it just becomes a very difficult kind of stream of communications because, again, it's very unclear about, oh, are you charging me or not?

And again, it just felt hard to execute on the plan and strategy on the hourly model.

OK, what about kind of the monthly retainer model?

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