(A personal message from OFS Co-founder, Jack Morrone)
Not long ago, my partner, Rob, and I were in New York City attending a conference with a group of top-producing advisors from our broker-dealer, LPL Financial. During a roundtable discussion, a question was posed:
“Do you have an account minimum to work with new clients—and do you enforce it?”
One by one, each person at the table answered: No.
Not because minimums are wrong, or our time isn't valuable. We simply share a principle: If we can add value, we will. Account size isn’t always important—sometimes it’s not important at all.
That same week, I had another experience that brought this idea full circle—only this time, it had nothing to do with finance.
Payment Comes in Many Forms
I was visiting my friend Denise, a professional who offers facial treatments. I had recently decided to treat myself to a facial each month—something restorative, intentional, and good for the soul.
Denise had just returned from a weekend retreat where she had been invited to offer facials to a group of women attending a spiritual gathering. It was a two-day event, and she shared how much joy she found in the experience—meeting new people, having meaningful conversations, and being part of something uplifting.
The organizer had offered her the option to stay overnight at the retreat center, which would have allowed her to book more appointments and earn more money. Denise declined. She chose instead to return home each night.
When asked why, she simply said, “I had such a great time offering my services at a comfortable pace. The experience itself was a form of payment. I didn’t need to squeeze in more just for the sake of more.”
That moment stuck with me.
A Quiet Parallel
In my work, I often feel something similar.
We’re privileged to sit across the table from thoughtful, kind, generous, wise, and appreciative individuals and couples who navigate life with honesty and curiosity. Yes, we offer services. Yes, we’re paid for our work.
But the work itself—the trust we earn, the relationships we build, the lives we get to support—that is also a form of payment.
At One Financial Services, the team and I find it meaningful to guide couples through major transitions, to help them plan legacies, or celebrate their financial independence.
It is deeply satisfying to help someone make sense of a complex monetary situation or to bring calm during a moment of financial uncertainty.
That connection with our clients, that sense of shared purpose, matters. It motivates us every day.
The Value Goes Both Ways
We serve clients with a wide range of financial situations. Some have significant investment portfolios; others are just beginning their journey or facing a life change that requires guidance.
We tailor our advice, our pricing, and our engagement to the scope of work and complexity involved. That’s fair and appropriate.
What we don’t do is dismiss someone because “they don’t have enough.”
“Enough” is relative—and so is value.
If we can help you make a decision with clarity…
If we can reduce your stress or help you see a new path forward…
If we can be your thinking partner during an important moment…
That’s providing value. And it’s part of why we do what we do.
More Than a Transaction
At One Financial Services, we believe financial advice is more than a transaction. It’s a relationship. One built on trust, openness, and shared goals.
Yes, we’re compensated for our work. But some of the richest rewards come in other forms: gratitude, trust, purpose, and the privilege of making a difference.
So, if you’ve ever wondered how we get paid, the answer is this:
We get paid to help. Rewarded is how we feel when we have helped.
LPL Tracking # 800335-01-01