Who we are.

Are You a fiduciary?

Always! Not only are we a fiduciary, but we take it a step further by ensuring we are a fee-only, fiduciary 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 higher net worth ($2+ million), we will require a more in-depth planning and advisory process.

i have a lot of debt, can you help?

Maybe. For clients with limited cash flow, minimal assets, and significant debt, we are not likely 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 ensure portfolio adjustments are made in a precise and timely manner for increased confidence and peace of mind.

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 can erode wealth over time.