Frequently Asked Questions

We offer comprehensive financial planning services designed to address all aspects of your financial life:

• Investment Management: Customized portfolio construction and ongoing management
• Retirement Planning: Strategic planning to ensure a comfortable retirement
• Tax Optimization: Strategies to minimize your tax burden
• Estate Planning Coordination: Working with your attorney to structure your legacy
• Risk Management: Insurance analysis and protection strategies
• Cash Flow Planning: Budgeting and spending optimization

Each service is tailored to your unique situation and integrated into a comprehensive financial plan.

Yes, absolutely. As registered investment advisors, we are held to a fiduciary standard, which is the highest standard of care in the financial services industry. This means:

• We are legally and ethically obligated to act in your best interests at all times
• We must disclose any conflicts of interest
• Our advice is always objective and unbiased
• We prioritize your financial wellbeing above our own compensation

This fiduciary commitment is the foundation of the trust our clients place in us.

Several key factors set us apart:

• Personalized Service: We limit our client base to ensure each client receives dedicated attention and customized strategies
• Comprehensive Expertise: Our team includes specialists in investment management, tax planning, estate planning, and risk management
• Transparent Pricing: Fee-only structure with no hidden commissions or conflicts of interest
• Technology Integration: Advanced planning tools and client portals for 24/7 account access
• Proactive Communication: We reach out regularly and anticipate your needs before they arise

Our goal is to be your trusted financial partner for life, adapting our strategies as your circumstances evolve.

We operate on a transparent fee-only basis, which means we charge for our advice and services rather than earning commissions on product sales. This structure eliminates conflicts of interest and ensures our recommendations are truly in your best interest.

Our Fee Structure:

• Fees are based on a percentage of assets under management (AUM)
• Rates decrease as your portfolio grows (tiered pricing)
• Typically ranges from 0.75% to 1.25% annually
• Fees are billed quarterly and deducted automatically from your account
• No hidden charges, commissions, or transaction fees

We'll provide a detailed fee schedule during your initial consultation, customized to your specific situation.

Our standard minimum investment requirement is $500,000 in investable assets. This minimum allows us to provide the comprehensive, high-touch service our clients expect while implementing sophisticated investment strategies.

Exceptions:

• We may make exceptions for young professionals with high earning potential
• Complex financial situations that require specialized expertise
• Referrals from existing clients
• Corporate executives with significant stock compensation

Even if you don't meet the minimum currently, we're happy to discuss your situation and potentially work together as your assets grow.

We believe regular communication is essential to successful wealth management. Our standard meeting schedule includes:

• Quarterly Reviews: Comprehensive portfolio performance reviews and strategy discussions
• Annual Planning Meeting: Deep-dive into your complete financial plan, tax strategy, and goal progress
• Ad-Hoc Consultations: Available whenever life changes occur (career transition, inheritance, major purchase, etc.)
• Regular Updates: Monthly performance reports and market commentary

Meeting frequency can be adjusted based on your preferences. Some clients prefer monthly check-ins, while others are comfortable with semi-annual meetings. You'll also have 24/7 online access to your portfolio and can reach us anytime by phone or email.

To create a comprehensive financial plan, we'll need to understand your complete financial picture. During our onboarding process, we'll request:

• Recent investment account statements (401k, IRAs, brokerage accounts)
• Current insurance policies (life, disability, long-term care)
• Recent tax returns (last 2-3 years)
• Estate planning documents (wills, trusts, powers of attorney)
• Employee benefits information and stock compensation details
• Information about your goals, concerns, and financial priorities

Don't worry if you don't have everything immediately—we can begin with what you have and gather additional information over time. Our initial consultation focuses on understanding your goals and determining if we're a good fit for each other.

We take data security extremely seriously and employ multiple layers of protection:

• Encryption: Bank-level 256-bit encryption for all data transmission and storage
• Secure Client Portal: Multi-factor authentication and encrypted document sharing
• Custodian Protection: Assets held at major custodians (Schwab, Fidelity) with SIPC insurance
• Privacy Policy: Strict confidentiality agreements and limited information sharing
• Regular Audits: Annual cybersecurity assessments and compliance reviews
• Staff Training: Ongoing education on data security best practices

We never have direct access to withdraw funds from your accounts—all transactions require your authorization through the custodian.