Frequently Asked Questions

Our first meeting is complimentary, providing an opportunity for us to familiarize ourselves with each other. We'll delve into your financial situation, gaining insight into your goals and aspirations. In turn, you'll learn about our process and how we collaborate with our clients.

At the end of our meeting, we can both decide whether to proceed with further discussions. Our approach is pressure-free, allowing us to get acquainted without any obligation. It's a chance for us to explore how we might work together towards your financial objectives in a relaxed and mutually beneficial environment.

We work with Fidelity to custody client’s assets.  You will be given a Fidelity.com login where you can see up to date investments and statements.

Navigating investing and financial planning can feel overwhelming for many clients. That's why we prioritize continuous education and support throughout our relationship. Whether you're seeking a comprehensive understanding or a simplified explanation of a topic, we're committed to offering clear and accessible guidance whenever you need it.

Retirement dreams vary greatly among individuals, making it a challenging task to determine a universal solution. With our collaborative approach, we'll customize a plan to align with your specific aspirations and financial needs. Through this personalized process, we'll work together to find the financial target that suits your unique retirement vision. Our goal is to guide you towards realizing the retirement lifestyle you've always imagined.

Taxes play a significant role in every financial strategy. Although we don't handle tax filing, we consider tax strategy a crucial element of financial planning. Our focus extends beyond immediate tax savings to encompass long-term strategic thinking across your lifetime. We're dedicated to helping you navigate tax implications not just for today, but also for your financial well-being in the years ahead.

We firmly believe in the significance of being a CERTIFIED FINANCIAL PLANNER. Earning this certification entails years of rigorous study and passing demanding exams covering various finance-related areas. These disciplines encompass investments, taxes, estate planning, insurance, and retirement planning. However, it's not just about mastering each area individually; understanding how they intertwine within each individual's unique financial situation is equally crucial.

Our investment management fees are a tiered Assets Under Management pricing schedule that can be further explained in our advisory agreement. Fees are deducted quarterly in advance from your account.  For clients that meet the minimum fee of $5,000, the fee schedule is as follows:

$0 - $500,000 = 1%
$500,000 - $1,000,000 = .89%
$1,000,000 - $3,000,000 - .79%
$3,000,000 - $5,000,000 = .69%
$5,000,000 - $10,000,000 - .59%
$10,000,000+ = negotiable

We do not have asset minimums.  We believe that everyone should have access to financial planning.  We do have a minimum fee per year of $5,000.  This can be paid through a higher AUM shown above or a separate planning agreement.

We believe in utilizing a diversified portfolio of securities that maximize long-term growth while considering risk management.  We will seek to understand what your time horizon and risks are and then use appropriate investments to find the best risk-adjusted return. This is mainly done through ETF investing but will also have some mutual funds.  We also utilize private equity investments.