How much time will I have to talk with the adviser?
Most calls are around 30 minutes. We recommend that customers advisers try to be as concise as possible to make the best use of the time. For issues that need more discussion or work to resolve, we still recommend a shorter "introductory" call to make sure it's a good fit before engaging further.
How does it work?
- Sign up.
- Ask a question.
- We find an adviser to answer it for you.
- We connect you to speak with the adviser on a secure conference line.
What if I don't have a specific question or just don't know what to ask?
Don't worry, you can just briefly describe your situation and we'll help you out from there.
How much does it cost?
All requests start at just $30. Most cases won't vary from this at all, but there may be an additional fee depending on the kind of work required of the adviser (like if they need to prepare documents or do a significant amount of background research). We won't charge you anything without first confirming with you so we can make sure you know what you're paying for.
Is it private?
Totally. More than most other websites you use. More than any other way of getting personal financial advice.
We only store what we need to get in touch with you and process your request. The adviser only sees your question and information you share that helps him or her answer it. Everything else—hidden. You can even use a voice scrambler if you want to.
Are the advisers qualified?
Any adviser we’d put you in touch with is fully credentialed and registered with the SEC. Before your call starts—and before we charge your credit card—we’ll share the history and professional background information of the adviser with whom you’ll speak. The information we provide will include public filing data as well as reviews from people they’ve helped in the past and proprietary analytics describing the work that adviser really does for his or her full-time and on-demand clients.
If the adviser we offer isn’t up to your standards, we’ll find another. If we can’t help you answer your questions, you can walk away without spending a penny.
How quickly will an adviser start helping me?
Advisers using AskHoward and the Market76 platform have pledged their time—and advice—as a way to build a relationship with you. If an adviser tries to sell you something rather than just help you with the question you came with (i.e. they’re wasting your time), let us know. We’ll get you a new adviser ASAP.
You get help right away. If you’d prefer, we can help facilitate scheduling a time with an adviser instead.
What if I don’t have money to invest?
How rich you are doesn’t matter, and investing isn’t the only thing to ask about (Student loans, anyone?). There’s still a lot that advisers can do to help, and that’s why they’ve signed up to meet you.
Too many people think that advisers only want to help rich people. That’s just not the case. Advisers want to help people. AskHoward and Market76 give them a platform on which they can help people—rich and less so!—quickly, easily, and profitably.
Advisers can, will, and want to help you.
What’s the catch?
You’re the catch.
When you come back to ask more questions, advisers who have already helped you hope you will pick them first. When you sell your startup, win the lottery, save up a decent nest egg, or even just have a new loan or account to set up, advisers who have helped you in the past hope you will work with them full-time. In all cases, you’re under no obligation to talk to anyone, work with anyone, or buy anything. You click a button and get advice. Q: What about commissions, hidden fees, and proprietary products? Not these advisers. The advisers don’t get paid anything by anyone for the advice they give you. In most cases, they don’t even know your real name. They don’t even know if you follow their advice.
No asset management. No commissions. Just advice.
Ok, so how do the advisers get paid?
As nice as it might be, these advisers aren’t doing this purely out of the goodness of their hearts. There are a few ways advisers make money by working with us: If you come back later and want to sign up with adviser to manage your finances for you (like a traditional adviser-client relationship). Even without that kind of traditional adviser-client relationship, if you ever need help setting up a new account, sorting through the paperwork to get a loan, or anything like that, advisers may collect a fee for that on a one-time basis.
Is it secure?
We employ the best security techniques available. We ask you not to share any information that could possibly be used to steal from you.
Don’t share account numbers. Don’t share social security numbers. Don’t share your last name (or your first name if you don’t want to). None of that jazz is important to providing you smart answers to tough financial questions. And if anyone using our system asks you to share anything inappropriate, say, “no.” If you feel uncomfortable, log out. Tell us. We’ll make it right.
The only private info you share with us is for your credit card, which is processed securely through Stripe.
Of course, we also do the other things that fancy tech firms do to protect any information we do gather. Military grade encryption [linked text to appropriate info]. Do you notice they always say that? Why not NASA grade? Or bank grade? Or… whatever? We’ve got that. White hat hackers testing our security? That too.
Even with all of that, the best way to protect your data is to not share it if you don’t have to.