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Frequently Asked Questions

What is financial planning?

Financial planning is determining the best way to achieve financial success. Whether you want to buy a house, send your kids to college, save for retirement, or take that trip of a lifetime, having a plan is the first step to getting there. Read our case studies to see how SFG Mecca Division's strategies might help people like you reach their financial goals.

Do I have to be wealthy to use a financial planner?

Actually, the less money you have, the harder and smarter it needs to work. While some financial planners have a "minimum asset level," our customers come from all walks of life. However, having consulted wealthy clients, we can bring that same expertise to you.

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What is the value of a CFP®?

CFP logo

Robert A. Mecca

A CERTIFIED FINANCIAL PLANNER (CFP®) certification is your assurance that the person you choose to handle your finances has met rigorous certification standards.

If you wouldn't trust an unlicensed doctor to take care your physical health, you shouldn't trust a non-CFP with your financial health.

What should I look for in a financial advisor?

The same types of things you would look for in a doctor, lawyer, or other professional:

  • Proper credentials to practice in the field.
  • Years of experience working with people like you.
  • State-of-the-art expertise through continuing education.
  • The ability and desire to make complex concepts easy to understand.
  • Someone who puts your interests first.
  • No hidden agenda, no products sold.
  • Someone you can trust, where clients eagerly send referrals.

Why is it important to select a fee-only advisor?

Review Financial PageFee-only advisors are paid for their expertise. Other financial advisors may be paid for selling financial products. With a fee-only advisor you avoid the conflict of interest inherent in someone who might recommend an investment solution based on commissions that may be received.

For instance, SFG Mecca Division frequently recommends no-load mutual funds, so their clients don't pay fund commissions. Other types of advisors may not recommend these funds. You should always ask if you are not sure how a financial advisor is paid.

How much does financial planning cost?

High-quality expertise costs money. Your future, and that of your family, is at stake.  Is it wise to allow an inexperienced, commission based advisor into your lives?

We identify financial improvements at the very first meeting.  If we cannot demonstrate that our fees are of value, don't hire us.

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Do I have to buy stocks as part of my financial plan?

Unlock Financial PageNo. As a matter of fact, a large portion of our clients do not own any stocks at all. We work within your risk tolerance to determine the right investments for you.

I work during the day. Can we meet outside of office hours?

Yes. We can meet with you during the day, evenings, or weekends, whenever is most convenient for you. Meetings can be arranged at any of our Chicagoland locations or take place virtually.

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What happens at our first meeting?

Advisors of SFG Mecca Division will explain their credentials, qualifications and discuss our company history. You are encouraged to ask any questions that would make you feel comfortable. We believe that each question is an educational opportunity to give you more control over your own financial future.

Financial NotesOnce you are comfortable, you discuss your financial situation and what you would like to achieve.

After gathering that important information, our advisors will craft an action plan and explain how we can help you achieve your financial goals. Our mission is to educate and further your knowledge of financial matters by utilizing our teaching skills.

Finally, you decide if SFG Mecca Division is a good choice to help you meet your financial needs.

Are my discussions with SFG confidential?

All discussions with advisors of SFG are kept highly confidential.  We are most sensitive to your personal financial situation and pledge a high degree of confidentiality. SFG Mecca Division prides itself on integrity and trustworthiness.

Get Answers You Can Trust

Contact us to share your specific questions and concerns. With SFG Mecca Division’s teaching expertise, we’re confident that you will learn what you need to know.

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CFP logo To become a CFP®, candidates must first obtain years of finance education and experience. Then, they have to pass a challenging series of national exams.

In addition, to maintain their certification, they are required to meet continuing education requirements.

Anyone can hang out their shingle and call themselves a "financial planner."

But hiring a CFP® is your assurance that the person you trust with your finances is qualified to help you.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Additional Questions

Consider your own situation to answer these questions:

  • Are investments a concern?  Are they complex?  Can you use the services of an advisor who teaches classes and explains things you can understand?
  • Do you completely trust your broker?
  • Is your advisor paid by commission?  Are they placing your interests first?
  • Can you afford to retire in comfort?
  • Are you protected from financial risks to yourself, your family, and your business?
  • Are you concerned about the financial future of you and your family?

These are difficult and volatile times.  Who is monitoring your finances?

Bring the questions you would like to have answered to your initial consultation. You can also email them to

I Wish I Had Started Sooner

We often hear this from our new clients. Studies show that most Americans worry about their financial situation. From living paycheck to paycheck to planning for college to preparing for a decent retirement, many become physically and emotionally drained.

Studies also demonstrate that planning your financial future with a qualified professional can pay off. You can't change yesterday but you can make a difference for your tomorrow by planning today.

Today can be the first day of your new financial future. Seize the day by contacting us.

Don't Be Paralyzed

Due to troubling times, many people are paralyzed and don't know what to do about their finances.  As a result, they are doing nothing.  Paralysis is the worst strategy.  Do something NOW.  Contact us to schedule a 15-point initial evaluation of your finances.  Begin your move from paralysis to action.