We provide personalized financial planning, investment management, retirement planning, tax-efficient strategies, and legacy planning. We tailor each plan based on your specific goals and life stage.
Frequently Asked Questions
2. Are you a fiduciary?
Yes. As a Registered Investment Advisor, we are fiduciaries, which means we are legally and ethically obligated to act in your best interest at all times.
3. How do you charge for your services?
We offer transparent, fee-only pricing. Here is our current fee schedule:
First $1,000,000……………………………………………………
Next $1,500,000 ……………………………………………………. 1.00%
Next $2,500,000 …………………………………………………. 0.80%
Next $5,000,000 ……………………………………………………. 0.60%
Above $10,000,000 …………………………………………………0.50%
4. Who is your typical client?
We work with individuals and families who value expert guidance in growing, protecting, and passing on their wealth. We are especially looking for people where we can really add value by using the tax code to amplify their income, charitable giving, or legacy.
5. How do you manage investments?
We build diversified portfolios based on your risk tolerance, time horizon, and financial goals. Our approach is disciplined, tax-aware, and grounded in long-term fundamentals, not short-term market timing.
6. How often do we meet or communicate?
We typically meet with clients at least annually, with additional check-ins as life events or markets change. We’re also available anytime you have a question; just call or email us directly.
7. Can you help with estate planning?
Yes. Michael is a licensed attorney who has been implementing estate plans for years.
8. How do I get started?
Schedule a phone call! We’ll learn about your goals, explain how we work, and see if we are a good fit. There’s no pressure, let’s just have a conversation.
9. Do you offer one-time reviews or financial plans?
People often ask if we offer one-time financial plans because they assume “fee-only” means paying for a single planning engagement. While we used to offer that option, we’ve found that financial planning is most valuable as an ongoing relationship. Life changes, tax laws evolve, and new financial decisions arise that a one-time plan can’t anticipate. Over the years, we’ve seen clients who chose a one-time plan make costly decisions simply because they didn’t have ongoing guidance. While a one-time plan may cost less upfront, we believe continuous advice provides far greater long-term value and helps clients make better financial decisions as their lives change.
