Bill Hines, Financial Planner, Investment Advisor Representative
Al·tru·ism /ˈaltro͞oˌizəm/ noun : The belief in or practice of selfless concern for the well-being of others.
Years ago, I started a company called Money Coach Group to help those in financial distress get on their feet. It was hard dealing with folks overburdened by debt, or had imminent or recent foreclosures, repossessions, bankruptcies. But it was incredibly rewarding.
A funny thing happened. As I got these folks on their feet, and commanded “Find an advisor! Go forth and invest, catch up on lost time!”, they always came back.
“Bill, nobody will take us, because we don’t have $300,000 yet.”
“Bill, you said to keep our finances simple. We can’t understand a word they’re saying!”
“Bill, you said to avoid annuities and whole-life, they’re pushing those like a time-share!”
“Bill, you said to avoid fees. They had to pull out a calculator when we asked how much!”
The old-school fee structure that most advisors use motivates them to focus on high-net worth clients (see my post here for more). What about regular folks? It upset me. Actually, I noticed that same fee structure is very unfair to those who have more assets! It challenged my altruism. The temptation was to say, “Oh well, they’re rich.” But it wasn’t fair, it wasn’t within the fiduciary standard, and it bothered me.
That’s why I started Emancipare, an inexpensive, flat-fee, fee-only fiduciary life/FIRE/retirement planner and investment/financial advisor.
My earliest memory of personal finance is peeking through my bedroom door to see why my mother was crying. She was often at the kitchen table trying to do the bills late at night, after our bedtime stories and “good-night-God-bless-you-I-love-you rituals.” I was 17. Just kidding, about 7. I think.
One day in school, during home economics class (the choice of this elective resulted in quite a hard time in the hallways and locker rooms), I learned how to budget and balance a checkbook. I ran home to Mom, the secrets of the Holy Grail of personal finance gushing from my mouth before I could even slam the screen door and get yelled at for it.
It was a game-changer for Mom, and I felt like a geeky version of the superheroes in my treasured comic books. I annoyed my friends’ parents, relatives, and rando patrons at the luncheonette where I sat and read my comics (early money hack, read for free until chased out by the proprietor).
We were blue-collar. No money for college. Nobody had ever gone. Dad said, “Oh, fancy boy wants to go to college!” I enlisted in the Air Force, and spent my years teaching my barracks-mates those secret tricks, and giving fiery speeches about the evils of the car dealers lurking just off base, with their inflated MSRPs and high-interest loans “for your service to our country.”
I used my GI Bill for college and got my degree. Spent years in the corporate world to support my family, and helping all takers with their family finances on the side. Frugality and practicing what I was preaching paid off, and I retired early. But, you have to do something with your time, right? Helping others is my passion, so this is what I do, on my terms. And it’s why I still help folks who are struggling with debt, as well as those in or near financial independence :-)
Grady Moshay, Financial Planner, Investment Advisor Representative, Accredited Financial Counselor AFC®
Blessed with academic scholarships, I was able to obtain a degree in Mechanical Engineering, which launched my rewarding career in corporate America, progressing through several Engineering and Management roles. My past career, along with following time-tested personal finance principles, afforded me the opportunity to retire early enough to pursue other passions.
I have dedicated much personal time towards building up my knowledge of economics and finance, obtaining an MBA and a certificate of financial planning, which I leveraged heavily during my own financial journey. I am now able to spend more time helping others in this area.
While the fundamentals of building, accumulating, and preserving wealth are not too complicated, unfortunately there are many instances where industry seems to overcomplicate or lacks transparency in explaining these basic principles. For most people, grasping personal finance principles and approaches is straightforward once you have been exposed to them. The key is taking these principles and applying them to your unique personal situation, your specific goals, and your current phase of life. Also, psychological and behavior barriers often result in less than optimal, or even disastrous, financial outcomes. Therefore, it’s important to stay disciplined and to keep your long-term goals first and foremost in your mind during the journey.
Whether you are beginning to build wealth or are looking to better steward the wealth you already have built; I am excited to work with you in achieving your goals.
Our Story
Most folks are well behind in saving/investing for their retirement, college, and other life goals. On top of that, they’re frustrated because they don’t truly understand the investments they do have. Most of them aren’t even aware of the back-end fees that are bleeding off their gains, like unseen holes below the waterline in a leaky boat.
Investing isn’t a dark science. It doesn’t have to be complicated. In fact, the simpler your investments are, the less expensive they tend to be, as well as easier to manage and understand. You should understand your investments, and be able to manage them yourself, if you’re willing and capable.
That’s our goal. We’re not a fancy chauffer for the ultra-wealthy. We’re the financial driver training school that will get your ship on course, guide it for a while, and show you how to navigate yourself when you’re ready.
Emancipare was founded for people like you. We not only get you invested properly for your specific temperament, risk tolerance, goals and time horizon, we teach you all you need to know. You may find that we’re so inexpensive, you’d prefer to allow us to continue to captain the ship while you enjoy other pursuits.
We were founded to help working-class people who need to make up for lost time, and can’t do that while paying expensive advisor or fund fees. We come from those same roots, and know what it’s like. We don’t turn you away because you don’t have $500,000 or $1,000,000 to invest.
We’re a small firm, and keep our client list small, so we can give each one the attention they need and deserve. Join us and let’s get started, before a waitlist forms!
