Frequently Asked Questions

No. We don’t have an investment minimum, however, we do welcome client relationships of at least $150,000 or more in investable assets as this allows us to use our preferred investment management platforms, strategists, and investment vehicles.

We do our best to ensure that our fees are competitive and to minimize conflicts of interests. Our advisory fee is structured in such a way that when your portfolio does better, we do better and if your portfolio goes down, so does our compensation.

Typically, we charge an advisory fee based on a percentage of the assets under management (AUM). The fee is deducted automatically on a quarterly basis directly from any applicable investment account(s) being managed. We make this easy, so that you don’t have to worry about writing a check every quarter.

In certain circumstances, a commission could apply. This can include, but is not limited to: annuities and insurance products, 529 plans, alternative investment products, and investments accounts below a certain minimum size. In select circumstances, the commission is paid directly by the investment/insurance company and in other cases by the client. 

For a complete fee schedule and details, please contact us. We would be more than happy to provide you with an estimate for your situation.

We understand that clients come to us from all different stages in life and careers and also with varying levels of financial needs, experience, and knowledge. This is why we have various ways to work with us and provide clients with the flexibility to engage us either on a one-time, as needed, or ongoing basis regardless of income, net worth, or investable assets. We understand that sometimes it helps to just speak with a CERTIFIED FINANCIAL PLANNER™ professional about your most pressing financial concerns. View services to learn more.

We don’t believe in strictly passive investment management, which is essentially owning everything because you don’t know what to choose. We also don’t believe in strictly active management or day trading stocks.

We believe in a long-term approach to investing over a full market cycle and diversifying based on the fundamentals of Modern Portfolio Theory. Additionally, through our investment management process we will tailor investment portfolio’s according to one’s risk tolerance and risk capacity.   

Holistic wealth management is the concept of not just being concerned with the investment returns of one’s account, but rather the whole financial picture and how they interconnect with each other. Whether it relates to areas of insurance, debt obligations, taxes, or estate planning documents, we attempt to look at the whole picture when analyzing one’s financial situation.

While there are many people who hold themselves out as “financial advisors”, the reality is that many financial advisors only concerned themselves with managing your assets and the performance of the investment account. While we feel this is one important aspect of what we do, it is not the only service we provide and by itself in a silo it adds very little value towards helping clients pursue their financial goals.

A Financial Advisor is a general term that can be used by any number of licensed representatives. They can be an insurance or annuity agent, stockbroker, or bank employee.

A CERTIFIED FINANCIAL PLANNER™ is a person who has met a rigorous educational training requirement including areas of financial planning, risk and insurance, investments, income and tax planning, retirement plannings, and estate planning. This person also has taken and passed a comprehensive six hour exam. Additionally, the individual adheres to a fiduciary level of care when dealing with clients.

Here’s what’s required in order to hold a CFP®:

• Education – Complete a comprehensive course of study, which covers the financial planning curriculum approved by the CFP Board.
• Examination – CFP® professionals must successfully complete the CFP Board’s comprehensive examination, which tests an individual’s ability to integrate and apply their financial planning knowledge.
• Experience – Three years of financial planning related experience before one can use the CFP® mark.
• Ethics – Ascribe to the CFP Board’s code of ethics and additional requirements as mandated. This includes the Fiduciary standard of care and acting in the client’s best interest.

Anyone can call themselves a “financial planner” or a “financial advisor”, but only professionals who fulfilled the certification, education, training, and renewal requirements of the CFP Board can display the CFP® mark after their name. That’s why it’s important to look for the CFP® certification when considering who to hire as your financial planner.

We have the technology and tools to work with clients remotely, no matter where they live. We utilize cutting edge web-based screen sharing and video conferencing technology to conduct virtual meetings in a very personal manner despite potentially being hundreds of miles away. Our e-signature technology allows us to sign many documents seamlessly and by working virtually we’re able to save you time on your commute and money on gas and tolls to conduct meetings at your convenience. We find many clients are pleasantly surprised how easy, efficient, and enjoyable it can be to work with an advisor virtually.

Our aim is to limit the number of clients/households we serve to between 100-125. We want to make sure that we give each client the attention they deserve and we know you want to reach us and not have your advisor’s mind swirling with the details of too many other people’s complex financial lives. We created this limit so that if you refer a friend, you won’t have to worry that it will dilute the attention to your account.

Great question! If you want to have a conversation about working together we would be more than happy to invest some of our time getting to know you better, your financial goals, and help determine if there is value that we can provide to you. Our preferred method of contact for new clients would be to schedule a time using our online calendar. In this way, we can ensure that we are available to speak and not busy with other clients when you call. However, please feel free to contact us whichever way is most convenient for you.