Planning and investment management for families and business owners who want one adviser holding the whole picture — and no product being sold to them.
Initial conversations are without cost or obligation.
None of them are novel. They are simply harder to hold to when an adviser is paid by someone other than the client.
Asset allocation is a consequence of what your money is for and when you'll need it. Reversing that order is how people end up with portfolios that don't fit their lives.
We use low-cost, broadly diversified funds and we tell you exactly what every layer costs. A percentage point of fees over thirty years is not a rounding error.
Anyone can hold a plan when markets rise. Our job is to have already decided what happens when they don't, so the decision isn't made under pressure.
Clients typically engage for the whole picture rather than a single piece, though planning-only work is available.
A written plan covering cash flow, goals, insurance gaps and the trade-offs between them — reviewed and updated as circumstances change rather than filed away.
Discretionary management of accounts held at an independent custodian in your own name. We never hold client assets ourselves.
Coordination with your accountant so investment decisions and tax decisions stop being made in separate rooms.
We are not attorneys and don't draft documents. We make sure the ones you have actually reflect your intentions and that beneficiaries and titling agree with them.
We do our best work for a particular kind of client, and we would rather say so than take on everyone.
Within ten years of stopping work, with assets spread across old employer plans and taxable accounts, and no clear answer on what the income actually looks like.
Where the business is most of the balance sheet, and personal and company finances have never been planned as one system.
Concentrated positions, vesting schedules and option exercises that carry tax consequences most people only discover afterwards.
We are compensated in one way: a fee agreed with the client. No commissions, no referral payments, no revenue from fund companies.
Deliberately unhurried. Most people arrive having been rushed by someone else.
An hour, at no cost, to understand what brought you here and to let you judge whether we are the right fit. No documents needed.
We gather statements, plan documents and tax returns, and map what you actually hold — which is often not what people believe they hold.
A written plan and investment policy, with the fee stated plainly. You take it away and read it before deciding anything.
Accounts opened at the custodian, transfers coordinated, and a review schedule set for the year ahead.
For ongoing investment management, generally $500,000 in investable assets. Planning-only engagements have no minimum, and we would rather point someone toward that than turn them away.
An independent custodian, in accounts titled in your name, to which you have direct login access at all times. We have authority to trade and to deduct the agreed fee. We cannot move money to ourselves.
Only by clients, on the published schedule above. We accept no commissions, no referral fees, and no payments from fund providers. Ask every adviser you meet this question and compare the answers.
No, and anyone who tells you otherwise is selling something. The value here is in planning, tax coordination, cost control and holding to a strategy when it is uncomfortable to do so.
You give notice, we help transfer the accounts, and that is the end of it. There is no lock-in, no exit fee, and no surrender period — those exist to protect advisers, not clients.
Yes, subject to the registration requirements of your state. Meetings run by video and documents through a secure portal, so distance rarely changes the working relationship.
Come with the questions you have been meaning to ask someone. You will leave with straight answers, whether or not there is a reason to work together.