FAQs
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.
Your investment accounts are custodied with Charles Schwab and always remain in your name and under your control. Our role is to guide and support you in managing those accounts, so they remain aligned with your overall plan.
We design portfolios to align with every client’s unique situation. From investments used for income and safety, to those geared more for long-term wealth creation, we collaborate with our clients to build an investment mix that makes sense. Our approach follows a bucket-style framework, aligning a client’s portfolio with distinct time horizons for income, growth, and legacy. This ensures that each dollar has a purpose, and every investment supports the overall plan.
No. We understand there are situations where transferring certain accounts may not be practical. However, our process is most effective when we manage your full portfolio. Optimizing cash flows, tax efficiency, and long-term growth strategies to be in alignment with your plan is critical for success. Rest assured that if we ever fall short of your expectations, you’re free to move your assets elsewhere.
What's It Gonna Cost Me?
Our compensation structure is tailored to each client, with a focus on cost efficiency. Most often, we charge a straightforward management fee based on accounts we manage. In some cases, we may receive commissions from insurance or banking partners when those solutions best support your financial goals. Regardless of the arrangement, all fees and potential conflicts are fully disclosed so you can make confident, informed decisions for you and your family. Please refer to our ADV Brochure for additional information regarding our planning & management fees.
For most clients, the cost of comprehensive planning and ongoing management is typically under 1%. Each client’s situation is unique, so fees may vary based on the complexity of the plan and individual preferences. For full details, please refer to our Form ADV.
Management charges are deducted monthly from the accounts being managed. With your approval, they’re structured and collected in the most tax-efficient manner possible.
Our services are typically ideal for those who have $1 million or more in investable assets. This allows us to provide an exceptional level of service and attention, as each advisor has a limited number of client relationships ensuring our clients have a truly personalized experience. We do have the flexibility to consider relationships below this threshold when a partnership makes sense.
Are We A Fit?
We partner with successful individuals and families who recognize the value of working closely with experienced advisors. Our clients typically include executives, professionals, business owners, physicians, engineers, and others who have worked hard to build their wealth and want to make the most of it. Just as you should be selective about who you work with, we are too.
No. Our relationships are based on trust and value, not obligation. Either of us can choose to end the relationship at any time, for any reason. You have complete control to move your accounts at any time.
Creating and implementing your plan is just the beginning. Together, we’ll establish a personalized review schedule tailored to your needs. In the event of any developments that could impact your plan, we will personally reach out to you and discuss next steps.
A successful partnership relies on mutual commitment, honesty, and open communication. We expect transparency and a collaborative approach to ensure your plan works effectively. We partner with clients who share these values, ensuring the partnership is productive and rewarding for both of us.
“Not everything that is faced can be changed, but nothing can be changed until it is faced”
– James Baldwin