Who we are.

Are You a fiduciary?

Always! Not only are we a fiduciary, but we take it a step further by being a fee-only advisory firm.

is fee-only and fee-based the same?

Not at all. Fee-based is a confusing, similar-sounding phrase that means the Advisor can charge a fee AND make commissions from other products. Rather, we are fee-ONLY.

Can you do limited-scope engagements?

Yes, most of the time. Depending on the situation, we can be hired to listen, discuss and provide advice on an hourly basis. For clients with a high net worth ($2+ million), we will require a more in-depth planning process.

i have a lot of debt, can you help?

Maybe. For clients with limited cash flow, minimal assets, and significant debt, we might not be the best fit for long-term budget accountability or bankruptcy evaluations.

is asset management required?

No, but many of our higher net worth clients choose for us to manage their liquid assets to achieve lower-stress and confidence that portfolio adjustments are made in a precise and timely manner.

do you have client minimums?

No, but our services are more cost-effective for clients who have financial means.

Our Asset Management services generally have a $1 million minimum.

what is your investment philosophy?

We believe that lower-cost, diversified portfolios are a far more prudent way to grow and preserve wealth over time.

We believe high expenses and personal biases/behavior - that all people are susceptible to - can erode wealth over time.