Still Have Questions?
We’re happy to answer all the questions you ask. We’ll also be sure to answer the questions you may not know to ask.
The Basics
Yes. While many firms say they act as fiduciaries, we live it every day. It’s not just a standard we follow; it’s the foundation of how we operate. Our commitment to putting others first, guides every recommendation we make, every plan we design, and every relationship we build.
We believe you should feel like your advisor’s most important client. Each our advisors works with fewer than 100 families by design. This give them the time to truly know your plan, your life, and your dreams.
Your accounts are custodied with Charles Schwab and always remain in your name. We manage them on your behalf, but you retain full ownership and visibility at all times.
We build portfolios aligned with your specific situation, not a template. Our approach uses a bucket framework. Each dollar is invested with a specific purpose in mind, all working together in service of the plan.
Is Integrative Planning Right for You?
Executives, physicians, engineers, business owners and families with meaningful assets who want a coordinated structure to manage investments, generate income, minimize taxation and secure a legacy for loved ones.
No. Our relationships are built on trust and value, not obligation. Either of us can choose to end the relationship at any time, for any reason. You always have control to move your accounts at any time.
We do our best work with clients who are open, honest, and collaborative. Great planning is a partnership that works best when both sides are fully engaged.
It means no more siloed advice, no more gaps, no more guessing. It means your taxes, your income, your investments, your health, and your legacy are considered. It means every part your financial life is connected and synchronized to give you the best opportunity for success.
Our Costs
We typically charge a straightforward management fee based on assets we manage. In some cases, we may receive compensation from insurance or banking partners when those solutions are the best options. Regardless of the arrangement, all costs are fully disclosed before any commitments are made.
We believe you should always know exactly what you’re paying and why. Our compensation is based on the complexity of your situation and the investment approach you choose. Everything is spelled out in plain language. No fine print. No surprises. And if you don’t see the value in what we do, you won’t pay a dime.
Our services are typically ideal for those who have $1 million or more in investable assets. This allows us to provide the depth of service and attention our process requires. We do have flexibility for relationships where a meaningful partnership makes sense.
Bringing It Home
Yes. We serve as the quarterback of your financial team. We don’t replace your CPA or attorney, we coordinate with them so your plan is fully integrated.
Clients who understand how their money is invested feel far more at ease during volatility. The bucket strategy ensures that your income doesn’t stop when the market drops.
We implement both asset allocation and asset location strategies. This places the right investments in the most tax-favorable accounts to minimize your lifetime tax burden.
Your plan includes a complete family security document that has all the information your family will need when the time comes. Rest assured, they can make one phone call and we will guide them from there.