Frequently Asked Questions

We are licensed to serve clients across all 50 U.S. states. Our advisors work remotely by phone, video and secure portal — so whether you're in Fulton, Kentucky or San Diego, California, you receive the same level of dedicated service. Our physical headquarters in Fulton remains our operational home base.

For personal, auto and most insurance applications, you'll receive a human underwriting decision within 24 business hours. Home and business loans typically take 3-7 business days from completed application to commitment letter. We prioritize speed without cutting corners on the legal and compliance review that protects you.

Yes. Every investment advisor at Goal Based Financial operates under a fiduciary standard — meaning we are legally obligated to act in your best interest, ahead of our own. Our advisors are salaried, not commissioned on product sales, so the only incentive is the long-term health of your financial life.

It depends on the product. Conventional mortgages typically require 620+, FHA loans accept 580+, and our personal loan programs work with scores as low as 560. If your score is below threshold, our credit repair team can build a 6-12 month plan to qualify you — often while simultaneously improving your existing terms.

We offer three flat-fee subscription tiers: Essential ($49/mo), Professional ($149/mo) and Wealth ($399/mo) — each with a defined scope of services. Investment management fees are clearly disclosed as a percentage of assets under management (0.5-1.0% depending on tier). We earn no backend commissions on any insurance or investment product.

Absolutely. We use 256-bit bank-grade encryption on all data in transit and at rest, dual-factor authentication on every client account, and our infrastructure is SOC-2 Type II aligned. We never sell client data to third parties — ever. We share information only with carriers and lenders necessary to execute your instructions.

Of course. Many clients keep their primary checking account and a self-directed brokerage where they already are. We work alongside your existing relationships — and where we add value, we add value. We will never pressure you to move accounts you're happy with. Our role is coordinator, not gatekeeper.

Our subscription plans are month-to-month with no lock-in contract. If you're ever unsatisfied, cancel anytime and you won't be billed for the following month. For investment management, we offer a 90-day satisfaction guarantee — if we haven't earned our fee in your eyes, we'll refund the last quarter of management fees, no questions asked.