Are you a fiduciary?
Yes, we are a Registered Investment Advisor who must adhere to the highest fiduciary standard of always acting in the best interest of our clients.
What is your fee method?
We are a holistic fee-only firm. We charge a percentage fee on your assets. Our fee is disclosed to our clients in their financial plan, in their quarterly status report, and on their statement.
Do you earn commissions or sell products?
No. We have no proprietary relationship with any fund companies that create an obligation to use their funds in exchange for any type of commission, including a 12b-1 fee.
What is the scope of your financial planning?
To us financial planning is more than just the investments and the numbers, it is providing planning in all aspects of a client’s life that affect their plan.
We provide planning in the following categories:
Investment & Portfolio Management
Estate Planning Needs & Review
Goal Based Planning/Legacy & Survivorship Planning
Risk Management & Insurance Review
Income Need & Cash Flow Management
Tax Review & Planning
What is your Portfolio Management philosophy?
One of the most beneficial values we can provide our clients is to control what we can control. Fees, taxes, and unnecessary risk are a drag on the success of a portfolio leading to later retirement ages, lower spending, and depleted legacy goals.
We create portfolios comprised of funds that are low cost, tax efficient, and provide decades of historical data so we can test what could potentially lie ahead. We don’t guess, we test.