FAQs

As Financial Planners, we work to uphold a fiduciary standard that focuses on accumulation, distribution and preserving assets.

Choose a Planner who listens to you, explains things clearly, and is comfortable telling you what you need to hear. Your Financial Planner should also have experience in the areas you are seeking help.

It is wise to interview more than one Planner!

We give two hours of complimentary advice to all potential clients. The discovery process is outlined on our home page.

We believe markets are semi-strong efficient. Markets are efficient most of the time, but not always and not everywhere. We also believe investing should be grounded in planning, not predictions. Every portfolio starts with your goals, time horizon, and risk comfort—then we build from there. We tilt toward low-cost, passive strategies for broad diversification, tax efficiency, and long-term consistency. At the same time, we selectively use active management in areas where it can add value, such as small-cap, international, or alternative sectors. We don’t chase headlines or time the market. Instead, we rely on academic research, disciplined rebalancing, and behavior-focused coaching to help clients stay invested through all market cycles. Risk is managed through thoughtful planning, including our three-bucket strategy for retirees. We emphasize after-tax returns using tools like asset location, Roth conversions, tax-loss harvesting, and charitable giving. Investing should be boring. Your financial life shouldn’t be.

No. We do not have account minimums. We can provide Financial Planning advice for a flat fee. We also offer traditional investment management services. We have found that this flexibility has helped clients find a home in our practice.

We charge an annual consulting fee for our Planning Advice. For our Investment Management service, we assess a management fee ranging from 0.0% to 1.25%.

We take the time to truly understand your goals and collaborate closely with you to create a tailored financial strategy. Our focus is not just on developing a plan, but on actively implementing it to align with your unique needs. As your valued advisors, we guide you through every stage of your financial journey—from shaping your current lifestyle to pursuing your future legacy.

We do not file taxes in-house. However, we can recommend several financial professionals and CPAs that we can refer. If you have an existing relationship with a CPA, we encourage that we collaborate with them to ensure we are collectively working towards your objectives.

Moving to another state will not impact our engagement.

As many times as we need. The first year of a Financial Planning relationship can have multiple moving parts. To ensure we make the most of our service we will meet as many times as necessary to create our Financial Planning recommendations. We will then have three scheduled trimester meetings. We understand that life is not static so we may proactively contact you to meet in addition to the three scheduled trimester meetings. You will have the ability to reach out to us if things change for you; we encourage our families to do this.