A wealth management practice built around disclosure rather than mystique. You see the holdings, the costs, the reasoning and the trade-offs — before any decision is made, not in a statement three months later.
First meeting is at our cost and carries no obligation.
These are not aspirations. Each one is a term in the client agreement.
We are paid by clients and nobody else. No fund company, insurer or platform pays us a cent, so no recommendation is worth more to us than another.
Our fee, the fund fees underneath it, and the trading costs. One number for what you pay in total, updated every quarter.
We won't tell you where markets are heading, because we don't know. Plans are built to survive being wrong rather than to be right.
No lock-in, no notice period, no exit charge. Your accounts are yours and transfer out with a signature.
Most clients engage for all four. Planning-only work is available for people who want to manage their own investments.
A written plan that connects what you earn, what you owe and what you want, with the trade-offs stated rather than glossed over.
Broadly diversified index portfolios, rebalanced to a written policy. Held at an independent custodian in accounts titled to you.
We are not your accountant, but we talk to them. Investment decisions and tax decisions should not be made in separate rooms.
We don't draft documents. We make sure the ones you have match your intentions, and that beneficiaries and titling agree with them.
This is a representative moderate allocation — not a recommendation, and not what yours would necessarily look like. We publish it because most firms won't show you anything until you've signed.
Every holding is a low-cost index fund. The weighted expense ratio underneath our fee comes to roughly 0.06% a year.
Illustrative only. Allocations vary by client circumstances and are set in your investment policy statement. All investing involves risk, including loss of principal.
Rates apply to each tier of assets, not to the whole balance. Nothing is charged before the work is done.
Full planning and investment management, quarterly reporting and unlimited contact through the year.
Applied to the balance above $2 million, with the tier below charged at its own rate.
Adds multi-entity reporting and coordination across family accounts and trusts.
Negotiated in advance and disclosed in writing before any agreement is signed.
For people managing their own investments who want a written plan and an annual review.
Fund expenses and custodian charges are separate, paid to those providers, and disclosed in every quarterly report.
Nobody signs anything at the first meeting, and we would be wary of a firm that asked you to.
An hour at our cost. What brought you here, what you want to change, and whether we are the right people for it.
Statements, plan documents and returns. We map what you hold, what it costs and where the gaps are.
A written plan, an investment policy and the fee stated plainly. You take it away and read it properly.
Accounts opened at the custodian, transfers coordinated, and a review calendar set for the year.
By clients only, on the schedule published above, deducted quarterly in arrears from the accounts we manage. We receive nothing from fund companies, insurers, platforms or referral partners. If an adviser cannot answer this question in one sentence, that is information in itself.
At an independent third-party custodian, in accounts titled in your name, with your own login. We can trade within those accounts and deduct the agreed fee. We cannot move money to ourselves or to anyone but you.
For ongoing management, generally $750,000 in investable assets. Below that, planning-only work usually serves people better and costs considerably less, and we will say so rather than stretch to fit.
No. Nobody can promise that, and the ones who imply it are describing luck as skill. The value here is in planning, cost control, tax coordination and preventing expensive decisions during bad years.
What we agreed in writing while things were calm: rebalance into the fall, harvest losses where useful, and draw income from the reserve rather than selling equities. Deciding this in advance is most of the job.
You tell us, we help transfer the accounts, and that is the end of it. No notice period, no exit fee, no surrender charge. Those things exist to protect firms, not clients.
Bring the questions you have been meaning to ask someone. You will leave with straight answers either way.