Know who to call. Build your crew.
No job gets built alone. The best tradespeople know exactly who to call when a job falls outside their scope. Your Crew helps you build and organize the team of financial pros behind your Blueprint — and makes sure the people you hire actually work for you.
A tax pro for the write-offs, an insurance agent who works for you, an attorney for the will — different parts of your Blueprint call for different specialists. Your Crew is where you line them up, keep them organized, and make sure every one of them is on your side of the table.
The professionals on your crew
Six roles cover almost everything a working person's financial life needs. You don't need all of them at once — Brix tells you who to add and when.
Financial Advisor
Investment management, financial planning, retirement strategy, and comprehensive wealth guidance.
See SitRep →When to call: When you're ready to invest seriously, need a retirement roadmap, or want a pro managing your long game.
In MoneyBricks: Your SitRep keeps them fully briefed before every meeting.
CPA / Tax Professional
Tax preparation, planning, and strategy — critical for self-employed and variable-income workers.
See Money Calendar →When to call: Before starting a business, when income grows, and every tax year if you have deductible expenses.
In MoneyBricks: Money Calendar tracks every deadline and prep task.
Estate Attorney
Wills, trusts, powers of attorney, healthcare directives, and estate tax planning.
See Money Calendar →When to call: When drafting your first estate documents, after major life events, and every 3–5 years for review.
In MoneyBricks: Money Calendar auto-schedules an estate review every 5 years.
Insurance Agent
Life, disability, health, property, vehicle, and liability coverage — protection for a physical career.
When to call: An annual coverage review, and after major purchases, life events, or career changes.
In MoneyBricks: Brix prompts your annual insurance audit.
Mortgage Professional
Home purchase and refinance loans — loan types, rates, and timing.
See Blueprint Labs →When to call: A home purchase, a refinance, or when the interest-rate environment shifts.
In MoneyBricks: Connected to mortgage payoff tracking and rate alerts.
Financial Coach
Behavioral and accountability coaching around money habits, budgeting, and debt — no license required.
See MoneyMindset →When to call: When motivation, habits, or confidence is the obstacle — not technical complexity.
In MoneyBricks: Works with MoneyMindset; Brix runs coaching-style check-ins between sessions.
Know who you're hiring: fee-only vs. fee-based
One of the most important distinctions in personal finance — and one working people are almost never taught. Getting it wrong costs real money.
| Fee-Only ✓What Brix recommends | Fee-Based | |
|---|---|---|
| How they get paid | Solely by you — a flat fee, hourly rate, retainer, or percentage of assets managed. | By you AND by commissions on products they sell you — insurance policies, annuities, mutual funds. |
| Whose interests they serve | Legally required to act as a fiduciary — your interest comes first, always. | May have conflicts of interest when recommending products that pay them a commission. |
| Who should use them | Anyone who wants unbiased advice with no hidden incentives. | May fit some situations — but understand how they're paid before taking any recommendation. |
| How to find them | NAPFA.org, GarrettPlanningNetwork.com, XYPlanningNetwork.com — fee-only fiduciary directories. | Common at banks, insurance companies, and large wirehouses — ask directly how they're paid. |
“Brix always recommends fee-only advisors. Your Crew is built to organize your team of fiduciaries — people who work for you, not for a commission.” — Brix
The Brix Rule
Before working with any financial professional, ask two questions:
- 1
Are you a fiduciary — legally required to act in my best interest at all times?
- 2
How exactly are you compensated — do you earn commissions on anything you recommend to me?
If the answer to the first is no, or the answer to the second is yes without full transparency — keep looking.
MoneyBricks does not refer, endorse, or earn commissions from any professional in Your Crew. Your team is yours — MoneyBricks helps you build, organize, and activate it.
Start building your crew with your free BrickScore.
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