Mark Zoril — Plymouth, Minnesota

Mark Zoril. Index Fund Financial Advisor For American & Global Expatriates. Annual Fee $96. No Minimum Account Size Requirement.

 

Please tell us a little about yourself professionally, including your qualifications.

My name is Mark Zoril. I am the founder of Planvision and am approaching 25 years of experience in the financial services industry.

In 2012, I decided that my clients could be served in a better way.  

I am an Accredited Investment Fiduciary and have been responsible for enrolling thousands of people in employer based retirement plans over the years.

As an integral part of my work, I have provided financial and retirement plans to hundreds of my clients.

 

Please tell us something about you, as a person.

I very much enjoy my work.

Over the years, I have been very influenced by my clients who continue to work well into their 70’s and even their 80’s. As such, my goal is to work as long as I can provide competent guidance and advisement as my health will allow.

I realize this is not the plan for most people, but I would like to stay engaged in my work as long as possible.

In addition, I am a huge advocate of foster care. We adopted our second daughter through Hennepin County in Minnesota. It was a great experience and I am very fortunate that we decided to go through this process to expand our family. I have been very affected by the plight of many children that are abused or neglected or both and promote foster care as a legitimate way for people to grow their families. We are better off for this experience.

 

Could you give us an introduction to your firm?

Planvision is an RIA that provides guidance to smaller employers and individuals. We only recommend index funds or ETF’s from firms like Vanguard, Schwab, iShares, etc… 

We do not accept or support any forms of compensation such as commissions, revenue sharing, referral fees, assets under management charges, or soft money (marketing dollars). We only charge our clients a small annual flat fee of $96.

We believe that, in general, people massively overpay for investment and insurance products as well as financial guidance and consultations.

It is our intention to simplify the investment process for our clients. All of our guidance is provided personally in a one on one setting.

We use technology effectively to support our low cost approach and conduct our client meetings through video conferencing using zoom or Skype.

For financial planning we use eMoney technology.

We do not use hype, sales tactics, or ploys in engaging our clients.  We make no market forecasts or promises. 

You will receive an honest assessment of what you can accomplish and your risks.

 

What is the minimum account size requirement you have, in order for a person to become a client?

We have no minimum account size!  You can receive guidance, ideas, education and planning assistance regardless of how much you are investing.

Our annual flat fee of $96 is not based upon asset size.  You receive guidance based upon your situation. Once you get your account going and have a better understanding of what you are doing, you can receive support as you need it.

Our clients are fine with 1 to 2 hours a year of questions and review and appreciate that we don’t sell them products or schemes. 

You shouldn’t have to pay a significant amount for this support and $96 is a great price point for most and a profitable price for our firm.

 

Why do you only build portfolios of low cost index funds or ETFs for your clients?

It has become obvious to us, after 20 years in the business, that low –cost index funds and ETFs provide investors the highest probability of better relative returns.

Since they eliminate the risk of incorrect investment selections or market calls and are so much less expensive, they are positioned to provide better returns over the long run than more costly actively management funds.

The data is overwhelming that index funds outperform most actively managed funds.

In addition, financial service firms and advisers tracking and monitoring the performance of funds add an additional layer of fees. Therefore, using simple portfolios of index funds reduces advisory costs as well.

After so many years in the industry we have realized that much of the promotion of investing products and ideas is simply marketing instead of sound investing.

Most financial services firms and advisors promote complexity to add perceived value. However index funds can help you simplify your approach and increase your awareness – all while reducing your costs.

 

Could you give us an idea of the kind of services you offer, as well as your charges? If they differ, based on circumstances, could you give us a few examples?

We charge $96 for 12 months of support. That’s it, no other charges!

You are billed directly and can renew each year at your choice.  We are proud that we do not deduct your fee from your investments. 

We do not accept commissions, AUM charges or referral fees.

We even offer a money back guarantee of our $96 after two months if you are not satisfied with our initial plan or investment recommendations.

All of our guidance is provided personally through video conference sessions and phone work. We use zoom meetings and Skype for our sessions.

Our clients come from all over the world and have different incomes and savings habits. 

Regardless of your residency and your citizenship, we will help you find a brokerage platform. 

We assist you as needed in getting your account setup and making your investments. 

Also included in the $96 is full financial and retirement planning, investment recommendations, help with budgeting, reviewing cash flow and making suggestions, and reviewing and discussing insurance options.

 

Could you give us your contact details and your firm’s website?

  • Name: Mark Zoril
  • Company Name: PlanVision
  • Website: http://workshop.planvisionmn.com
  • Email: markzoril@planvisionmn.com
  • Phone: 855 965 4286
  • Phone: 612 965 4286

 

96 Plan. See If You Qualify!

Find Out if You Qualify?

 


 

More Information?

Watch This Short PlanVision Video

 


 

More Information?

Listen to Mark’s Philosophy about Investing & ClientsListen to this Podcast

 

from DoughRoller.net

 


More Information?

96 Plan. See If You Qualify!

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Andrew Hallam

I’m a financial columnist for Canada’s national paper, The Globe and Mail, as well as for AssetBuilder, a financial service firm based in Texas. I’m also the author of Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School (2nd Ed. Wiley 2017) and The Global Expatriate’s Guide To Investing: From Millionaire Teacher to Millionaire Expat (Wiley 2015). My mission is to educate, motivate and inspire people on basic retirement planning and best practices for investing, using evidence-based strategies. I’m happy to comment on your questions. However, please read the Terms of Use, Privacy Policy and the Comments Policy.

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64 Responses

  1. Laurie says:

    We wanted to share our experience with PlanVision. We read Millionaire Teacher and found it very educational – thanks Andrew! We then reached out to Mark Zoril of PlanVision from this website. Mark helped us transfer our funds from a very expensive managed program to low-cost index funds with our employer’s plan (the TSP) and Vanguard for our Roth IRAs. He made recommendations on investment options based upon our situation. We will save thousands of dollars every year in fees. Also, Mark provided a retirement analysis for us, which let us know the outlook of our financial future. He provided all of this support by telephone and video conferencing. It cost us only $96 and includes a full 12-months of support and guidance! It is money well spent and we were very pleased to have found this referral to PlanVision from your site. Thank you!

  2. Mark Zoril says:

    Thanks for the nice words. Laurie and her husband were great to work with! They have been wonderful savers and have a nice future ahead. Reading Millionaire Teacher helped them understand that investing does not have to be complicated. They will save an amazing amount of money on their investments and it was a lot of fun to help them get in to much lower cost funds.

  3. Michael Wald says:

    I also wanted to share my experience with Mark and Plan Vision. Mark helped my company, Spikeball inc., onboard to Plan Vision for our 401k plans. Mark has been helpful in not only educating me about specific financial products like IRAs, Robo-Advisers, and 401ks, but also in educating me about my specific financial situation through 1-on-1 phone calls. He was able to clearly outline my options, talk about risk-tolerance, and discuss with me how he would think about each of the “buckets” that I’ve chosen to put my money. It has been a smooth and easy transition into working with Plan Vision and building a new 401k, and that is in large part due to Mark.

  4. Katherine says:

    Hi Andrew. Thank you so much for the book The Millionaire Teacher. What an eye opener. I just want to post something here about my experience so far with Mark at Plan Vision. I teach internationally and have always had my retirement in managed mutual funds. Mark has been tremendously helpful in trying to organize the transfer of my accounts. We work through video conferencing and his insight and assistance has been very helpful in simplifying my investments and getting them in low-cost index funds with Vanguard. The $96 charge for a year’s worth of financial advise is a great value!

    • Glad to hear it Katherine. Do you know what platform Mark is using? Is he using Schwab? Please let him know that if he does, and Schwab initiates some overseas restrictions (they are adding some countries to their “must close their account list” then Mark could use Interactive Brokers. They are far less choosy. Great stuff Katherine!

      • Mark Zoril says:

        For virtually all of my expat clients we use Interactive Brokers. I help my clients set up their accounts and transfer funds there and purchase the ETF’s. While it is a powerful trading platform with lots of bells and whistles, it can work just fine once an investor gets up and running. And it is very inexpensive. For my clients with US residency, I prefer just using Vanguard’s brokerage platform.

      • Sean says:

        Andrew, if I’m not mistaken, haven’t you expressed concerns about using Interactive Brokers in the past? Something to do with them being domiciled in the USA, so our assets could be liable to the ‘death tax’?

        • Sean, I do believe that there is a very very slight risk of that, yes. That’s why, as an investment wimp, I don’t use them myself.

        • But…for people who live in countries like Indonesia (for example) IB is their only option. As an investment wimp, if I lived in Indonesia, I would open an account with IB if I didn’t have an option. Then, once I moved to a different country, I would transfer it out. Many other expats are willing to take the very, very slight risk that I’m not willing to take. But….I don’t ride roller coasters or bungy jump either, so some might call me a coward.

        • Mark Zoril says:

          Hi Sean. In this particular thread, the person above is an American. So this would not be an issue for an American overseas. What Andrew is referring to would be a concern for non Americans that use IB. FWIW, I have researched this and even hired an attorney that practices on estate law for expats of all types. My conclusion is that the funds in cash in IB would be subject to the potential estate tax – assuming the US IRS could enforce it – however, the funds invested in offshore markets using IB’s platform should not be concerned about this issue. All that being said, I am not a tax or estate advisor.

          • Seán McHugh says:

            Thanks for this, if I’m not mistaken IB seems a more expensive option anyway, with a monthly platform fee of $20 for occasional traders, according to their site, on top of trading fees? Wow, that even makes Saxo look reasonable!

            https://www.interactivebrokers.com.hk/en/index.php?f=13869

          • Mark Zoril says:

            Hi Sean. I see the page you are referring to . In virtually all cases, IB will be the lowest cost option for investors. And it works very well for buy and hold investors. IB doesn’t have a column for buy and hold investors using just a few ETF’s. Their monthly charge is $10 USD. All trades in a month apply toward that $10 charge. They are not in addition to the $10 charge. Also, once the account is greater than $100,000 USD they waive the monthly charge!! (For Americans with over $100,000 USD that are buy and hold it is almost free!!) For US clients with a buy and hold strategy, they will almost never have more than a $10 month charge. Canadians costs are very low too. Brits pay about 6 GBP per trade and Euros a little more. Also, IB has outstanding currency exchange options – the only cost is the cost of the transaction. The other platforms that Andrew refers to are fine – they will do the job. In fact I had a session yesterday with a client in Ghana that uses Saxo and it works fine for him. At this point, though, it has become clear to me that IB is the lowest cost option

  5. Mark Zoril says:

    Hi Andrew – and Katherine. Katherine has been a lot of fun to work with so far. Andrew, I don’t “use” a platform in the conventional way many advisers use platforms. I simply help people set-up accounts directly and then monitor it with them going forward. I am familiar with what has been going on with Schwab. Also, I have explored IB and am aware that IB is an option for some that may not be able to find a platform. Take care!

  6. David Harris says:

    I have my investment portfolio with Schwab International in Hong Kong (from when I was working in Shanghai). I have not heard anything about Schwab setting up restrictions that you mention. Is there a link to information about this. (PS – I just opened a TD account in Luxembourg as a Cdn $ account but still like Schwab’s trading fees better).

  7. Rich Cowles says:

    I began working with Mark and PlanVision as an individual after working with him through my employer. Mark helped simplify my investments and ease my transition to retirement. Mark’s been a pleasure to work with–he’s a genuine person of high principles and integrity who enjoys helping people understand the jargon-filled world of investments, free themselves of hidden costs and take control of their finances.

    As a result of working with Mark, i do feel in control of my financial future, with the added assurance of ongoing support from an expert I trust and enjoy working with.

  8. Rolfe Hanson says:

    Mark Zoril of PlanVision has finally helped me get clarity on investing and my portfolio. After years of working with big companies who didn’t have the time or the ability to guide me through the process, Mark has – in sessions by phone and video conference – given me a knowledge base, tools, and smart, basic info I can understand to be more successful with my investments.

    I’m a salesperson and recognize the distinction between being sold on and being educated about products. Mark Zoril’s approach is all about guidance and education in learning about our investments and the why, where, and how one might go about it. Can’t thank him enough for his help.

  9. Gary Lloyd says:

    I have been working with Mark for the past year and just renewed for another year. Mark gives a tremendous amount of insight and support, and you will not find advice like this at a cheaper price. It is so helpful to have a hands on approach for managing my money and I would recommend his services to anyone. Even if you feel like you have your accounts in order, it NEVER hurts to have another professional eye on your money to guide your financial decisions. Thank you Mark!

  10. Jason Van Schooneveld says:

    I’ve had the pleasure of working with Mark for the past year and his advice and services have gone above and beyond what I expected for such a low fee. He is responsive and professional in all his communications. My wife and I live and work overseas and were finding it harder and harder to invest with US-based brokerage firms. One after another slammed the door on us once they found out we lived overseas. We were getting really discouraged and that is when I found Andrew’s book and in turn found Mark, and we couldn’t be happier. Mark understands the rapidly-changing investment landscape that American expatriates face and is there to help you successfully navigate it. He got us set up with Interactive Brokers and has been there every step of the way to answer any questions we’ve had. I look forward to many more years of working with Mark!

  11. Caroline says:

    It was great working with Mark to set up an account through Interactive Brokers. He is always very responsive and helpful. Mark made it very easy for me to get started and the fact that I live overseas was never made an issue. Thanks Mark!

  12. Nawaz Anwarudeen says:

    Hi Andrew – Per your recommendation, I worked with Mark Zoril and successfully moved my retirement assets to index funds. Did the same for my wife’s assets and college savings plans for my kids. I used simple portfolio that you recommend in your books. Thanks.

    I live in Singapore. The time difference between Singapore and US central time is 13 hours. Mark was very accommodating and scheduled time out of office hours to work with me. He uses state of the art tools to communicate (Zoom for video). He was always professional.

    It was very refreshing to work with someone who is not selling products or services all the time.

    Thank you for recommending Mark.
    Cheers,
    Nawaz

    • Thanks Nawaz,

      This is great to hear!

      Cheers,
      Andrew

      • Mark Zoril says:

        Nawaz was a lot of fun and great to work with! He was really on top of things. The people like Nawaz that you are helping to learn how to reduce their investments costs by using simple, low-cost index or ETF portfolios will save tens of thousands (and in some cases hundreds of thousands) of dollars throughout their lifetime.

  13. Rachel Zammuto says:

    After reading about him here, I contacted Mark to help me with the process of reinvesting my money into index funds. It felt big and confusing to do on my own, but Mark has a clear and direct way of explaining things. He works to inform his clients so that they can make financial moves for themselves. It was refreshing to not feel like there was a hidden agenda as I’ve felt with previous advisors I’ve worked with.

    Mark has been easy to communicate with (despite a 13 hour time difference), and willing to work with me as much as I need to get my new investments up and running. I feel the $96 for a year is a good price for the advising service and I look forward to continuing to work and learn with Mark. Thanks for helping connect people through your blog, Andrew!

  14. Ashley says:

    After leaving my international school in Thailand and moving to a new one in Hong Kong, I had to decide what to do with my Provident Fund from my former school. I too began working with Mark after reading about him here on this site (to be honest, I was drawn to him because he’s from Minnesota – people there are so nice). I am very thankful for the insight that Andrew’s books and working with Mark have provided me in actively investing in my future. Mark patiently guided me through setting up an account with Interactive Brokers. He advises in a way where I felt a balance between being in control and knowledgeable about where my money was going, while also being safely guided to make thoughtful investments. His hours were flexible for my international life and he was a pleasure to work with. Thank you both for the work that you do!

  15. Jeffrey Kanemoto says:

    I’m a US expat residing in Tokyo and I began working with Mark this past May. After understanding my situation, Mark created a useful retirement projection for me using the Finance Logix program. He also helped me set up an account with Interactive Brokers and guided me through the purchase of my desired ETF. Despite the significant time difference, Mark always responds promptly to my e-mails with helpful advice and is accommodating when arranging video meetings. I highly recommend Mark to other expats looking for a very professional yet inexpensive financial advisor.

  16. David Harris says:

    Hi, Mark, this is perhaps a new Thread. I was just re-reading some advice from Garth Turner stating that one should ALWAYS take your CPP at 60. I am 61 now and when I went looking, I see there are new rules which reduce your payout more than previously. Do you have experience in this realm? If this is advice is fee-based and you think your advice is worth it 🙂 then I can certainly consider paying. Thanks.

    • Mark Zoril says:

      Hi David. While I work with most of my US clients in helping them evaluate their timing of receiving their Social Security as part of my guidance, I have no experience with helping Canadians make decisions on their CPP. If it is simply a matter of evaluating the pros and cons of waiting, I might be able to assist on that. To have a preliminary conversation on this, you would need to contact me separately if you would like to discuss this. You’re welcome to do that at markzoril(@)planvisionmn.com. Otherwise, best of luck to you.

      Cheers

  17. Kendra Kuti says:

    My husband and I currently live in Oman and read the Millionaire Teacher book last school year. After looking at all of our options, we chose to use PlanVision and work with Mark Zoril. We have been amazed at his expertise and promptness in responding to our questions. He is able to lay out complicated financial topics into simpler terms and has allowed us to think about our finances both short and long term. We feel like the $96 yearly fee is such a great value for the expertise Mark provides! As a result of our experience, a few other teachers at out school have started to use Mark/PlanVision as well! Thank you Andrew for letting us know there are “other options” out there for financial planning and thank you Mark for such a positive experience!

    • Mark Zoril says:

      Thanks Kendra. It has been to work with you and Brian and help you get a much simpler and low-cost portfolio up and running!

  18. Holly Elwell says:

    I have been working with Mark for the past month. This is a great bargain and I am so relieved to finally have a place open to expats in which to invest my money. I wouldn’t have been able to do this without Mark’s help. This is well worth the price and he will walk you through every step. Thanks, Andrew for including the contact info for Mark Zoril!

  19. Michael Mansell says:

    After having read both of Andrew’s books my wife and I decided to start the process of withdrawing our investments from brokerages like Friends Provident, Hansard and Edward Jones in the U.S.. Friends Provident and Hansard were the most difficult. Edward Jones it turns out had been giving my wife bad advice. They had been advising her invest in a ROTH for the past 12 yrs even though she was not eligible. The issue is now in the hands of the IRS. She stands to lose all gains made over the 12yrs and could possibly end up paying 12,000 in penalties. Thanks Edward Jones.
    Having seen Mark Zoril recommended on Andrew’s site we decided to contact him about advising us. Mark has been great. He’s answered all our questions, given us sound advice and been very accommodating regarding when to meet with us online. We live in Africa so meeting with us requires him to be awake in the wee hours of the morning. He is worth way more than the $96 annual fee.
    If you’re looking for an adviser to help you invest in low fee ETF as described in Andrew’s books, I would highly recommend Mark Zoril.

  20. Rick says:

    I have been a client of Mark’s for about the last six months and it has been well worth the $96/year that he charges. He helped me set up an investment account and has also assisted me with the mechanics of investing. I appreciate his simple, unbureaucratic approach.

    If he didn’t have an immediate answer to one of my questions, Mark has always proactively offered to research it for me and has quickly gotten back to me with the info I need. I’m looking forward to continuing to work with Mark!

  21. Gerrick Monroe says:

    I have been working with Mark for the past two months, and he has been very helpful and supportive in my efforts to combine all of my retirement accounts into one common platform. Once I had completed the steps needed to pull all of my retirement funds together, Mark worked with me to complete a detailed financial/retirement plan for my wife and me. He walked through this detailed report and reviewed a variety of scenarios and the impact that each might have on our retirement savings and plans.

    I had already been a convert to low cost index funds in saving for retirement, but I was in great need of an expert to bounce ideas off of and to review my plans and adjust them as necessary. Mark has provided me with this type of assistance, and his commitment to explaining not only the best path forward but also the rationale behind it has been very helpful to me and my family.

    Mark’s annual fee of $96 is a remarkable value. His service and commitment to my retirement plan has far exceeded my expectations. I whole-heartedly recommend Mark and his firm to assist with establishing a financial plan that is simple to understand and implement. His professionalism and knowledge is very impressive, and I look forward to working with him for years to come.

    • Mark Zoril says:

      Gerrick has been great to work with. Very organized and responsive and on top of his financial situation. It has been great to help him clean up his accounts and take a look at how his future might unfold financially!

  22. David says:

    I recommend Mark’s services unequivocally. I’m an American expatriate teaching in the international school world, and Mark was recommended to me by Andrew Hallam, who gave a talk at my school. I was looking for someone who (for a reasonable cost) could offer me and my wife financial advice and guide us through the process of starting a diversified portfolio of low-cost index funds. I’ve been extremely happy with Mark’s service and advice so far. His annual rate of $96 is a total bargain; since first making contact with him a month or two ago, we’ve already spent a number of hours discussing my situation and getting my investments set up. I’ve found his advice to be objective, honest and completely reasonable. Everything has gone smoothly so far; our investment account is set up, and it’s great to know that Mark is available to continue to offer us advice and help us to properly diversify our investments in the future. An additional thing to point out is that he’s a very timely and efficient communicator. He has always gotten back to me within a day or so, and when my wife and I were ready to make a move, Mark and I were able to set up an appointment to get the ball rolling within a few days. He has been totally excellent to work with. A+

  23. Jim says:

    My wife and I have been investing for our future for many years. Previously we had used a commission based advisory firm. Each time we met with a representative in the old model they tried to sell us something and the fees were brushed over. We live and work in Minnesota and began working with Mark at PlanVision about 3 years ago. It was refreshing to pay a straightforward, reasonable fee for guidance and not be sold any investment products. During this process, we learned more about low-cost investment options and how to compare them to the fees we were paying for the investments we were using. We were able to move many of our accounts to much lower cost Vanguard index funds with Mark’s help.

    Just this last Summer, my wife and I did a full retirement plan projection with Mark that was a part of the $96 annual charge. Mark offers the option of utilizing technology to meet with him which works better with our busy family schedule. Our meeting with Mark provided us a very good sense of how we stand for the future – and there were no product sales during the review.

    My wife and I feel better informed and we strongly recommend Mark and PlanVison with their straight forward approach to investing. Jim & Renee.

  24. Kate says:

    I have been working with Mark at PlanVision for three months now, and I am very happy with his service. I read Millionaire Teacher because a teacher friend recommended it based on knowing Andrew. I found it to be the clear and straightforward advice I needed to stop procrastinating and start preparing for the future. I contacted Mark based on Andrew’s recommendation, and signed up for his $96 plan. I am using Interactive Brokers based on his advice. I am impressed with how much communication with Mark I get, his advice is clear and easy to follow, and no question was too simple or too basic (I’m really starting from the beginning). I am getting a great value for my $96 and I will renew for next year. I can highly recommend Mark and PlanVision.

  25. Betty says:

    I have worked with Mark for several years. He has been a great resource for my husband and I-we are now retiring. He has helped us review our investments, Social Security and Medicare questions and also has done a projection for our retirement as well. It is great to have access to a professional resource for $96.00 and it is also good that Mark does not try and sell us investment products and schemes when we contact him.

  26. Tom says:

    I have known Mark Zoril of Plan Vision for many years and working with him three years ago for $96.a year. I am closing in on retirement and Mark has helped me review how I stand financially for these upcoming years.
    He is always quickly available for a call if I have a question. He has provided guidance on different investment options for my situation. For example Mark helped me review the pros and cons of taking my pension on a monthly basis from the plan or withdrawing it and transferring it to an IRA. His objective advice was important in helping me go through this process as opposed to another firm that clearly wanted to “manage” the money for a hefty annual fee.
    it is great to have a professional sounding board whose income or compensation is not tied to what I end up doing with money and how I invest. I know that when I contact Mark I won”t be sold on any investment ideas or fads.

  27. P says:

    Mark’s $96 dollar plan is a wonderful service. There’s no funny business here. He helped me set up my portfolio without it being locked up with an expensive brokerage somewhere. He doesn’t take any fees so after you pay the $96 you don’t have to about losing any more money. Because of this he always acts in your best interest and that’s what you want out of a financial adviser.

    • Mark Zoril says:

      Thanks P. Glad I could help you get going. You’ve got an excellent low-cost portfolio and are off to a great start saving for your future.

  28. Donald J. Nevin says:

    I started planning for and investing towards my eventual retirement rather late in life. I started working with Mark Zoril towards that end back in the early 1990’s while I was employed at a social services agency. I continue to use his services now that I am in retirement.

    Mark cares about the financial well being of his clients. He is knowledgeable and competent. He does not push his services upon you. He educates you, and respectfully encourages you to make good decisions for yourself. Thanks to Mark I was able to retire at 62.

    My wife and I are in reasonably good financial shape (in spite of the downturn in 2008) and enjoy our travels, hobbies, volunteer work, and spending time with our family and friends. We are grateful to Mark for helping us make that happen.

  29. Michael Simon says:

    My wife and I learned about Mark Zoril’s services through this website and interview. We were impressed by what we read, decided to contact him and have not been disappointed.

    In these first few months working with Mark, he has been incredibly generous with his time, and has made himself available to meet via videoconference at times convenient for us, respond to our questions and concerns, help us navigate the process of setting up our account, offer advice regarding asset allocation, and patiently walk us through the process of making our first ETF purchases.

    As for his incredibly low annual fee, I would like to make two points:

    Firstly, given the amount of time and effort he dedicated to us in these first few months, it is clear that Mark gives priority to establishing long-term relationships with his clients based on trust and respect, rather than to racking up high fees over the short term. Honestly, the only way a fee structure like this could work is by creating happy clients who enthusiastically recommend his services to others (which my wife and I most certainly do).

    Secondly, as investment beginners, his fee structure gives us peace of mind — indeed, while markets may move in unexpected ways, we can have confidence that Mark’s advice is offered in good faith and with our best interests at heart.

    As one final comment, it is clear that Mark is not only respected by his clients, but also by other professionals in the community with a similar philosophy. Having sent initial information requests to a couple of people recommended by Mr. Hallam on his site, we received a kind response from one, but after we had already made the decision to work with Mark. Mentioning that we had already made our decision about an advisor, and without having given any indication on whom we had chosen, this person responded that he hoped it was with PlanVision and that, if it were, we would be okay.

    We have been extremely happy thus far and look forward to continuing our relationship with Mark in the future.

    • Mark Zoril says:

      Thanks for the kind words Michael. I appreciate your overview. You are incredibly well organised – which bodes well for your financial future!

  30. Haf says:

    We think Mark offers excellent financial planning services. He was very responsive and a pleasure to work with. He modeled a few different savings scenarios for us to help us figure out what best suits both our short- and long-term needs. He also provided us with enough guidance so that we can confidently manage our plan ourselves. We also appreciate that his services were as advertised, no hidden fees or pitch sales for other services. It really is $96/year. Thanks to him, we now have a good plan and are feeling very confident about our financial future. We look forward to working more with Mark in the coming years.

  31. inspecteurmancini says:

    I made the move from an actively managed investment platform to a low-cost one, getting some guidance from Mark. He has been very responsive and I wish I had been dealing with him long ago! I now make my own monthly contribution to my portfolio and contact Mark if I need some tips. I really do appreciate the fact that we share the same perspective on low-cost investments. No more “double thinking” whenever you talk with an active fund manager as they represent their firm first … I highly recommend dealing with Mark. It is simple, clear, and to me it really is the most efficient way to manage your personal investments.

  32. thomas blanloeil says:

    Hi Andrew – Following your comments, I contacted Mark to help me with the process of investing my savings into index funds. Even if everything is very well explained in your books, I felt the need to have someone to back-up my choices. I am French living in Singapore and what I really appreciate is that Mark spent time to really understand my needs and plan for the future. We then built together a comprehensive portfolio in which I have full confidence. He is always very responsive and always trying to accommodate my after office hours timing despite the 13 hours’ time difference.

    I have to say Mark provides great service for a very low cost and he clearly exceed my expectations so thank you.

  33. fadyt says:

    I am a non-American and I work internationally. Finding out about Mark through Andrew’s blog has been wonderful. I can’t recommend Mark enough. He guided me through the steps of setting up an account and buying ETFs, considering my special requirements as a global expat. He was very generous with his time and accommodated me every step of the way. He looked at my individual situation as a global expat and did research that would have taken me hours to do. I feel very secure now with my investments and trust that Mark will always be there in case I need him. I can’t believe he only charges $96 for his services. Don’t tell him this, but I would have paid more!

  34. Junaid Ahmed says:

    I am a dual citizen from the UK/US. I learned about Mark through Andrew’s blog and contacted him about a year. I dragged my feet on opening a brokerage account and getting moving and I regret taking so long to do it. Mark helped me through the entire process and made everything simply to understand. Prior to working with Mark I had some anxiety about investing but now feel much better having setup my accounts through him. I will definitely be recommending his services to my current and future colleagues. He’s very easy to talk to and you can expect the highest level of professionalism from him.

    • Mark Zoril says:

      Thanks Junaid. I am glad that we were able to connect and get your investments going. You did most of the work but I enjoyed helping you complete the process!

  35. Wendy Birdwell says:

    I am so grateful that a colleague of mine invited Andrew Hallam to our International School to speak about investing and preparing for retirement. Following an extremely informative session, I read “The Global ExPatriot’s Guide to Investing”. For the first time, I felt empowered to truly understand the workings of investing and of properly managing my retirement savings. In addition to having this newfound knowledge, Andrew recommended Mark Zoril of Plan Vision, a financial advisor who charges only $96 dollars per year for his selfless services. This is not a gimmick. I have since met with Mark via the ‘Zoom’ virtual conferencing platform and have been able to completely transform my investment strategy with this guidance and support. I have been extremely impressed with the clarity and ease of the process, as Mark helped me to navigate the transfer of funds from an expensive investment company to a solid and inexpensive company. I feel confident in my choice to embrace and apply the philosophy of both Andrew and Mark and hope this comment inspires you to do the same!

    • Mark Zoril says:

      Thanks Wendy. It has been a lot of fun helping you clean up your investments and find a simple, low-cost alternative!! Thanks for your great follow-up during the process.

  36. Andres Monroy says:

    I have been an expat for over 20 years and I have left a trail of bank accounts and investments (most of them bad…) in several countries. I searched a lot through internet for somebody that could help a non-american (I am colombian) to invest better and I finally found this site and after reading Andrew´s book “Global expatriate´s guide to investing” I decided to change the way I invested and I contacted Mark Zoril. He has been really great and has helped me a lot in getting my investment strategy more focused. He is responding very fast to any question, he clearly explains what you need to know and it has been really a pleasure working with him. I look forward to continue with his financial mentoring in the following years !

  37. Stephan says:

    Mark helped me sort out a difficult situation regarding an IRA account: I am a European who used to live and work in the US a couple of years ago, but have returned to Europe since. From my time in the US, I still had an IRA account with Etrade. Since I am still years away from retirement age, those funds should remain in an IRA account (which means with an American bank), in order to avoid high penalties. However, American banks are closing the doors to non-Americans, and Etrade announced that they wanted to close my account! Mark helped me find a new home for the IRA with an American bank that DOES cater to non-Americans – not an easy task and I know Mark had to put in a lot of phone calls for that! We successfully opened the new account, and invested in a low-cost ETF portfolio. All this as part of his $96 program. What a great experience, thanks Mark!

    • Mark Zoril says:

      Thanks Stephan. I enjoyed helping you get this done – and it was good for me to learn about this new option as well!

  38. Carl Warren Love says:

    I’m a big fan thus far, Mark Z. has been great – so wise and reachable and understandable. I am a Canadian living abroad and needed to invest without bank/big fees advisors. Currently my family and I are living in Kuwait. Andrew’s presentation prompted me to reach out to Mark. So far so very good. 110% legit. Yes, believe it or not … Andrew and Mark have no hidden agendas … they are just wise people sharing valuable tips and advice. Good people. Rare these days. Thanks Andrew and Mark.

  39. Saulo says:

    Hello
    I would like to thank Mark as well (and consequently Andrew for recommend him)
    Since we start working together he has been always available, very helpful, explaining everything in details, very patiently as I am not a real “financial” guy
    Thanks a lot Mark, looking forward to continue working with you!
    Regards
    Saulo

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