Here’s How It Works
Our process starts with a conversation — your situation, your goals, what’s most important to you. We build a plan around your life, put it to work, and keep it on track as things change. The planning itself is always free.
Who This Process Serves
E.P. Wayne Financial Group provides financial planning and investment management for individuals and families — including retirement planning, wealth management, and insurance guidance — and retirement plan services for businesses and their owners. Whatever brings you here, the steps below show how working together looks.
The Fine Print, Up Front
No planning fees. Ever.
No hourly charges, no retainers, no fee to build your plan, review it, or update it. Every conversation is on us — the first meeting and every one after it.
Directly with your advisor.
Your personal local independent advisor from the first conversation onward is Ed Peagler. You’ll always know exactly who you’re working with — no 800 numbers, no call center.
Independent guidance, not a script.
Every plan starts with your situation — then knowledge, experience, and insight shape the advice. No quotas, no one-size-fits-all rules.
Client choice.
You choose how we work together: fiduciary advisory accounts, commission-based accounts, or both. No proprietary products or revenue sharing.
Two Types of Clients, One Starting Point
We start with your situation, then guide you from there.
Getting to Know You
We determine if we can help — and we’ll tell you plainly if we can’t. You determine if we’re the right fit. This first conversation covers your goals, your financial situation, and what’s most important to you, with no obligation to become a client or open an account — by phone, virtually, or in person, whatever fits your schedule.
Creating Your Financial Plan
Once we understand your situation, goals, and risk tolerance, we build a plan around them — designed to help you make decisions with confidence.
Your Plan, Your Choice
We present the plan and explain your options — fiduciary advisory accounts, commission-based accounts, or both — including exactly what each costs. You choose the fit. If fees or commissions are part of the picture, every one is disclosed before any decision is made. Learn more about fees and commissions →
Planning Doesn’t End With Creation
Beyond investment and wealth management, part of our process — and our commitment to our clients — is to monitor your progress, review performance, and update the strategy when warranted.
If you offer — or want to offer — a retirement plan, your questions are different: plan design, costs, fiduciary footing, and getting the work off your desk. Find your starting point below.
Already have a plan?
A free second-opinion review. We examine your plan’s design, costs, and investments — and tell you plainly what’s working and what isn’t.
Improvements designed around your business. Attracting and keeping good people, managing costs, keeping your fiduciary footing solid.
We handle the switch — then it stays off your desk. The advisor-of-record change, the paperwork, the transition — plus ongoing monitoring, reviews, and on-site employee education and meetings.
Starting from scratch?
A first look. What a plan could do for your business and your people — and what it would actually take.
Design built around your goals from day one. The right plan type, the right costs, no legacy compromises.
We handle the setup so that it stays off your desk. The paperwork, the launch — plus ongoing monitoring, reviews, and on-site employee education and meetings.
Business owners often become personal clients too — one relationship covers both.
About Our Process
Yes. While most of our new clients come from referrals, every relationship starts the same way — with a conversation. If we determine we can help, we’ll work with you.
Proactive communication is part of our process. We rely on our clients to let us know if it’s too frequent. Otherwise, you’ll hear from us often: when something might affect your investments, when reallocations are warranted, or when we spot something worth acting on. And you’re always welcome to reach out anytime too. All we ask, at minimum, is an annual review, so we can make sure your plan still fits your goals and we’re bringing value to your financial life.
Yes. After your account is opened, we’ll send an invitation to create an online profile for Account View — plus a mobile app for checking accounts on the go, free in the Apple App Store and Google Play.
No — coming into our Forest Acres office is always your choice, never a requirement. We offer virtual meetings, and most forms that require a signature can be completed electronically — no printing, no scanning, no mailing required.
No. We encourage bringing recent statements, but it’s not required. The first meeting is really about getting to know you and understanding your situation as best we can. If you can put your hands on physical copies, bring them along; if you receive your statements electronically, we can help you locate them and provide you with a secure method to get them to us.
Yes — we provide on-site employee education and meetings, and your participants get our direct number: a real person, not a call center.