Frequently Asked Questions

We are a fee only advisor. Our clients pay us for our advice and counsel and we receive no compensation beyond that paid by our clients. We charge our clients a percentage of the assets that we manage for them. For example, we charge 1.25% on the first $500,000 in assets. The larger the amount that we manage, the lower the overall fee. Fees are calculated on an annual rate and collected quarterly in advance. Click here for our fee schedule

We are a fee-only advisor but we do not prepare plans on an hourly or one-time basis. We are interested in creating a long-term relationship with our clients. Our best advice comes from having a deep understanding of our clients’ financial information and an ongoing relationship.

In a word, “Yes.” We are registered with the SEC as a Registered Investment Advisor. In this capacity, we are held to a fiduciary standard and are bound to putting our clients’ interests first at all times. In addition, we follow the fiduciary practices recommended by the Institute for the Fiduciary Standard. Learn more about our fiduciary commitment which is based on the core principles of always demonstrating loyalty and acting with due care and in utmost good faith.

In addition to investment management and financial planning, we provide counsel and assistance with income tax planning, estate planning, insurance planning, education planning and other requested services. Click here to view our services

We have a range of clients. Many have already accumulated wealth and many are just getting started. The common characteristic is that they are committed to planning their futures and they are serious about saving and reaching their goals. They also choose to have a long-term relationship with an advisor who can help them along the way.

We follow an institutional investment management approach. We are long-term investors, so our portfolios of mutual funds and ETFs are built with the future in mind. Once we have determined an appropriate investment policy, specific to each of our clients, we stick to the policy, with regular rebalancing to stay within our mutually agreed risk tolerance.

After our initial planning, we like to meet with our clients at least once a year. However we are available to meet whenever a client needs.

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