How our fees work
We are a fee-based, fiduciary advisory firm. We are paid an annual fee calculated as a percentage of the assets we manage for you. The fee is disclosed in writing before you become a client. We don't earn commissions on your investments, transaction fees on trades, or kickbacks from product providers. If we ever recommend a product, such as life insurance, where a commission applies, we'll tell you upfront, every time.
What's included
- Full financial planning (retirement income, Social Security, tax, estate, insurance review, charitable giving).
- Coordination with your CPA, attorney, and other professionals.
- Ongoing investment management.
- Annual reviews, plus availability between reviews when life happens.
- Client portal, custodian (Charles Schwab) reporting, and Schwab Alliance integration.
Why this matters
We are committed to fee transparency and acting as financial fiduciaries, meaning that we have a legal obligation to put your financial needs before ours. To best serve our clients, we also occasionally provide products that have a commission. In these cases, commissionable products, like life insurance, are an important piece to a comprehensive plan. In all cases, we disclose fees and commissions.