Frequently Asked Questions

Yes! As you’ve heard, we meet clients where they are in their financial planning journey. We suggest scheduling an introductory call to see how your situation matches our expertise. If we’re not the best solution for you, we’ll gladly refer you to another advisor who can help.

We are commission-free (aka Fee-only). Our fees are always transparent, and will vary based upon the financial planning service and scope of work provided. Before we ever charge a Fee, we will demonstrate how we believe we can help you, and what our Fee will be to do so. From there, we will ask you to go home and think about it. No pressure or slimy sales tactics, EVER!

Yes! We will always provide you objective, competent financial advice that is always in your best interests.

We can, for clients where we are responsible for overseeing their investment accounts. We believe this arrangement, while far from perfect, best aligns our interests with our clients. We do offer other arrangements where a Fee based upon a % of assets managed is not necessary.

No! While some of our services may be more appropriate for individuals who have accumulated significant assets, we pride ourselves on meeting you where you are. We do not have any account minimums, nor do you have to move your investments to work with us. However, all of your financial planning services are subject to a minimum annual fee.

There are a number of important factors that help separate our firm from others:
1. We meet you wherever you’re at on your journey. Our team of specialists can serve a diverse group of clients with varied financial needs.
2. No account minimums. Unlike many firms that require you to have $1 million (or more) before they’ll take your call, we know everyone has to start somewhere.
3. No fancy suits and ties. Seriously? Seriously.

If you’re interested in things like investing smarter, lowering your tax bill, and creating a reliable income stream in retirement, you’re in the right place. However, if you’re looking for the next “hot stock” or market timing strategy, we’re not a good fit. We take a long-term approach to our financial planning and choose to focus on things we can control, not the things we can’t.

Our team consists of 2 Certified Financial Planners™, 1 Retirement Income Certified Professional®, and 1 MBA. We believe our combination of education and experience is perfectly suited to deliver massive value to the needs of our clients and prospective clients.

Yes, of course. While we’d be sad to see you go, you can cancel the relationship at any time. Our clients pay their fee on a monthly/quarterly basis. The fee is billed in advance, which means we would refund any unearned fee from the date of the last fee until the date you cancel.

Passive, low cost, and tax-efficient. We do not want you to pay higher fees and higher taxes in a (likely failed) attempt to beat the market.

We partner with large financial institutions such as Fidelity, Charles Schwab, Betterment, and others to make sure your money is kept safe and secure. We also grant our clients access to their own customised client portal, where they can view their entire financial life in one place. You can see all your accounts, net worth, spending, etc. in one place on your computer or phone.

A very valuable aspect of working with us is the ability to tap into our network of professionals. We know or can find experts in nearly every field related to your personal financial situation. We do not accept any type of fee sharing arrangements, and pride ourselves in knowing the referrals we make will always be in your best interest.