Scot is a CERTIFIED FINANCIAL PLANNER and Lindsey is a Certified Money Coach.

Scot joined the financial planning business in 2011 and Lindsey joined in 2016. Providers & Families was founded in 2017 and became an independent registered investment advisor in 2022.

CFP stands for CERTIFIED FINANCIAL PLANNER. The CFP designation isn’t a designation that can just be bought into. Certificants are required to have work experience and complete a full education curriculum before sitting for an intense 8-hour exam and are then required to meet ongoing continuing education criteria. There’s a reason the CFP Board’s tagline is “work with the highest standard”, and we’re proud to have a CFP as part of our firm. Read more about the CFP code of ethics and standards of conduct on their website, here.

A Certified Money Coach works with individuals and couples to improve their relationship with money and identify the roots of their financial behaviors. The Certified Money Coach designation is awarded by the Money Coaching Institute. Our partner, Lindsey, is a Certified Money Coach. Coaching services are provided separately through her business, The Exuberant Elephant.

The CFP board sets the requirements for the use of the CFP designation, title and logo. We aren’t yelling at you; we’re just following the rules!

There is no fee for an initial consultation.

We are currently not fee only, and that’s by design – our clients have told us that they like us being a “one stop shop” for their planning needs. We are continuously listening to our clients to ensure the services we’re offering meet our standard of making their financial lives easier. As a note of disclosure, we have two separate businesses, for legal and regulatory purposes. Our planning and and investment business cannot receive commissions, but our insurance business does when our clients utilize us for insurance services.

No. While some money managers we use may have minimums, we don’t have a minimum investment amount as a firm.

Absolutely! We’re happy to provide you a second opinion on your existing financial plan. We’re not the right people to provide you a second opinion on your investment portfolio alone, but we are happy to review it as part of your existing, written financial plan and long-term goals.

We don’t provide stand-alone portfolio review services, but we do provide portfolio reviews, management, maintenance and investment advice as part of a financial plan on an ongoing basis for our clients. (PS, everyone needs a financial plan!)

Yes. We are required to put our clients’ interests before our own – seems like a no-brainer, but it needs to be said, and we take it seriously.

Yes! We’re happy to provide references to anyone who first meets with us for an initial consultation. For confidentiality purposes, we don’t have a “standby” list of references, so we need to obtain permission from our clients first. For the best use of everyone’s time, energy and resources, we just ask that you only ask for references if you are serious about financial planning and considering our services.

You can read about our firm and our investment advisors’ backgrounds on IAPD or on our Meet The Team page. Find out more out Our Foundations here.

We recommend you read about our services, pricing and our foundations first. Once you’ve done that, we invite you to schedule an initial consultation (always complimentary!) to chat more. We feel it is important to like the people you work with when it comes to your money! If either of us decide it doesn’t seem like a good fit, no problem!

Registered investment advisors are, by definition, fiduciaries. This means that it is their responsibility to always put their clients’ interests above their own. In order to do this, conflicts of interest must always be disclosed, and we have a burden of proof to show that we made recommendations in your best interest. In short: your needs always come first, as long as we work together.

We are located in Carlisle, Pennsylvania and serve clients all over the state. We are also licensed in other states. For an up-to-date list, check out our ADV on the SEC’s website.

We’re located in Carlisle, Pennsylvania.

We meet our clients exclusively by Zoom.

No. While our financial plans include tax planning, we do not provide tax preparation or tax advice. We are happy to refer you to one of the accountants in our network who can assist you with tax preparation services.

Probably! If you’re looking a professional to help you out, chances are we have someone in our network who provides it. We’re not just talking financial services here. We can refer you a handyman, a mechanic, a graphic designer, a chiropractor, a nutritionist, and more. Just ask!