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Forrest Light Advisory

ConsultingFinancial Coaching & RIA

Financial Coaching & Investment Advisory

Fee-only, fiduciary investment management and behavioral coaching for individuals, families, and institutions. Your money, managed in your interest.

Free 45-min call · No pressure · No commitment required

The Problem With Most Advisors

Most Financial Advice Is Designed to Benefit Your Advisor

Commission-based advisors earn more when they sell you certain products. That's a conflict of interest — and most people don't know it's happening.

❌ The Commission-Based Model

  • Earns a cut when you buy certain products
  • Recommends what's "suitable," not what's best
  • Ignores the behavioral side of money
  • Treats your portfolio as a transaction
  • Rarely explains fees clearly

✓ The Fiduciary, Fee-Only Approach

  • Earns nothing from product recommendations
  • Legally required to recommend what's best for you
  • Integrates behavioral coaching to protect your returns
  • Treats your financial life as a whole
  • Transparent, flat-fee pricing

Choose Your Level of Support

Every engagement is fiduciary, fee-only, and tailored to your situation.

Integrative Coaching

Best for: General Personal Finance

Build the financial habits, clarity, and confidence you need to take control of your money.

  • Goal clarification & values alignment
  • Behavioral coaching & habit building
  • Budget, debt, and savings strategy
  • Regular 1:1 coaching sessions
  • Email & text support between sessions

Professional Advisory

Best for: Full investment management

Portfolio management with behavioral coaching built in. A fiduciary advisor who knows your goals and manages your money accordingly.

  • Professional portfolio management
  • Quarterly reviews & rebalancing
  • Tax-loss harvesting & optimization
  • Integrated behavioral coaching
  • Fiduciary investment management
  • Financial dashboard & reporting

Personal Financial Planning

Best for: Comprehensive planning

A full financial plan built around your life — covering investments, taxes, estate planning, and long-term goals in one integrated strategy.

  • Comprehensive financial planning
  • Estate & tax planning coordination
  • Multi-generational planning
  • Institutional investment management
  • Ongoing strategic guidance

Not sure which tier fits? The first call is free — we'll listen and tell you honestly which level of support makes sense for your situation.

What "Integrative" Actually Means

Most advisors manage your portfolio. We manage your whole financial life — including the behavioral patterns that quietly undermine it.

Fiduciary Protection

Legally required to act in your best interest. Not just "suitable" — actually best. This is the standard most advisors don't meet.

Behavioral Coaching

Research shows behavior — not market timing — is the #1 driver of long-term returns. We coach the habits and decisions that compound over time.

Values-Based Planning

Your financial plan should reflect your life, not a generic template. We start with what matters to you and build backward from there.

Full Transparency

Clear fees, clear reporting, clear explanations. You'll always know exactly what you're paying, what you own, and why.

Common Questions

The answers most advisors don't want you to ask.

Free · No Commitment Required · No Pressure

Your First Conversation Is Free

No commitment required, no pressure. Just an honest 45-minute conversation about your financial situation and what's possible.

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