Fee-only
Paid solely by our clients. Never by a fund company, insurance carrier, or third party.
Our ApproachII
How we differ,
and how we begin.
A short tour of the practice mechanics: the way we are paid, the way we differ from a brokerage, and what an introduction looks like. No mystery, no theatre.
How we differIIQuietly, in three
Quietly, in three
particulars.
We do not name competitors and we do not market against them. We simply describe what tends to happen elsewhere — and what happens here. If the right column reads like the relationship you wish you had, this office may be a fit.
01
You may have
An advisor who reassigns you every two years to whoever is on rotation.
Here you have
One advisor for the life of the relationship. The same person on every call.
02
You may have
A plan that updates once a year, after the fact, when something has already changed.
Here you have
A plan that adjusts the same week your life does — a sale, a grandchild, a diagnosis.
03
You may have
A 1-800 line, a portal password, and a portfolio that resembles every other client.
Here you have
A direct line, a single point of contact, and a plan written for your name.
How we are paidIIIPlainly, and
Plainly, and
in writing.
We are a fee-only practice. We are paid by our clients, directly, on a single annual fee calculated on the assets we advise. We do not accept commissions of any kind, and we do not sell proprietary product. There are no hidden layers.
The exact schedule and any breakpoints are walked through in writing during the introduction call — before any paperwork is signed and before any money moves.
Asset-based
A single annual fee, calculated on assets under our advice, with breakpoints as the relationship grows.
No commissions
We accept no commissions, no trailers, no proprietary product incentives — ever.
In confidence
Engagement terms and fee schedule are shared in writing during the introduction. NDA on request.
A non-disclosure agreement is offered to every prospective client prior to the introductory conversation, on request.
The EngagementVI
Five steps from introduction
to lifelong stewardship.
Onboarding is deliberate and unhurried. New relationships typically move from first conversation to fully implemented plan in less than four months — and then continue, without re-introduction, for as long as you wish.
- I
Private Introduction
A confidential 45-minute conversation. We listen first, share our practice, and confirm fit. No documents required, no obligation.
DeliveryVideo or in person
- II
Discovery & Audit
We assemble your full financial picture — returns, trusts, beneficiaries, equity grants, insurance, real estate, debt. We identify the three issues that, if addressed first, will yield the largest improvement.
DeliveryApprox. 3 weeks
- III
The Written Plan
A bound, plain-English plan covering tax, legacy, and capital. Specific recommendations with year-by-year sequencing, modeled in three economic environments.
DeliveryDelivered in person
- IV
Implementation
We coordinate with your CPA, attorney, and existing custodians. New accounts open at Schwab or Fidelity in your name. Trusts, gifts, and harvesting moves are scheduled and executed.
Delivery60 to 120 days
- V
Lifetime Stewardship
Quarterly written reviews, an annual on-site, and direct access to your advisor when life moves — a sale, an inheritance, a marriage, a market dislocation.
DeliveryOngoing, for life
What an introduction looks likeXFour quiet steps
Four quiet steps
from first call to first plan.
Engagements proceed at your pace. Most families complete the introduction within one month; others take a season. Nothing moves until you are ready.
- Day 1
Introductory call
A 45-minute private conversation with the principal advisor. Video, telephone, or in person.
- Day 3
Confidentiality & scope
Mutual NDA, an outline of the engagement, and the written fee schedule — reviewed before anything is signed.
- Week 2
Discovery documents
We collect statements, estate documents, tax returns, and beneficiary designations through an encrypted client portal.
- Week 4
First written plan
A complete written plan delivered in person, with a working agenda for the first family meeting.