Our approach to wealth management is to guide you through your first steps and each step thereafter. Our ongoing engagement includes two annual meetings, four quarterly wealth reports, and counsel and support whenever you have questions or a new issue comes up. Meetings and reviews are essential to ensuring that your plan remains properly calibrated as your life and needs evolve.

Your path to financial independence includes a custom blend and coordination of these services and more:

Our financial planning and investment management services are fee-only. We’ll discuss costs to you in detail as part of the process, but here’s the overview:

Minimum annual engagement: $6,000
A $500,000 portfolio; effective cost: 1.10%
A $1,000,000 portfolio; effective cost: 1.00%
A $3,000,000 portfolio; effective cost: 0.80%
A $5,000,000 portfolio; effective cost: 0.68%

The effective cost is the average you’ll pay for our services, which declines as the assets we manage grows. The effective cost is specific to each client which is based on the total amount of investments we manage. Read more about our billing in Item 5 in our ADV, located at the bottom of this page.

Why does it matter that we’re “fee-only”? The fact that we’re fee-only advisers means that our only source of revenue is from you. We don’t collect commissions from referrals we make. In other words, we work for you and for your best interests, guaranteed.

How do our fees compare to other wealth management firms? Our fees are highly competitive and designed to offer easy billing.

We are Fiduciaries, which means that we’re legally bound to serve your best interests. That means, we:

– do not push financial products.
– do not collect commissions.
– have the freedom to use the best tools available.
– do what is only best for you.

Here’s why working with a Fiduciary matters so much.
An alternative to working with a Fiduciary is working with a broker. But most people don’t realize that brokers, while also SEC licensed financial advisers, meet a lower standard of suitability.

Brokers are required to provide investment and planning recommendations that are “suitable” (recently amended to “best interest”) for the client’s stated objectives. Basically, it’s the “good enough” standard and wouldn’t violate the suitability standard unless they were outright scams.

For instance, a broker could (and often does) recommend a mutual fund sold by the investment bank he works for in order to earn a commission and points towards his sales quota. The fund could be more expensive and provide less value than other funds, but the recommendation would still fall within the suitability guidelines.

Fiduciaries, on the other hand, are legally required to create strategies, portfolios, and planning recommendations that serve the client’s goals. Our recommendations are considered more trustworthy because they’re aligned with your goals, without the conflicts of interest that influence brokers.

In other words, we care too much about your future to let commissions sway your absolute best interests.