How do We get paid?

We operate on a 100% hourly fee only model. We do not earn any sales based compensation, AUM fees, referral payments, or soft-dollar arrangements. One-hundred percent of our income comes directly from our clients paying our hourly fee.

I don’t know what questions I have, is it worth booking a meeting?

We get this a lot. You don’t know what you don’t know — and that’s normal; we have decades of experience educating individuals and couples about their finances and empowering them to make good financial decisions throughout their lives— if our advice doesn’t add value, we wouldn’t have so many of them come back year after year. You can find a sample of the types of questions clients ask us here.

How Do We provide ongoing support?

We find that, for most clients, annual check-ins satisfy their needs, but we are more than happy to meet as often as you would like; with our hourly fee model, you only pay for what you use. As we do not take custody of your assets or maintain any discretionary control over them, you are responsible for ensuring our investment recommendations are implemented. We are happy to help with these actions during our meeting(s) with you, however this service does not come with continuous, ongoing oversight or management of your investments.

How does our model work with other investment managers or brokerage platforms?

If a client has an outside investment management firm, we work with that firm to ensure that the asset allocation fits your needs as determined by your financial plan. We are also happy to provide a no-commitment “second opinion” on portfolios.

If you use a self-directed account, we are happy to meet with you and help you implement our recommended allocation using low-cost index funds offered on the brokerage platform of your choice.