We're Different

Unlike commissioned advisors, we are an independent, fee-only firm with no investment products to sell.  Except for superior performance (and happy clients), we have nothing to gain from recommending one investment over another.  Because our fees are dependent upon the value of your portfolio, we have a vested interest in protecting and increasing your wealth.  Our approach to your investments is similar to running a successful business:  a consistent focus on maximizing profits, minimizing costs (including taxes) and taking risk when and if it provides ample reward.

Who Should Sign up for Wealth Management Services

Our Wealth Management Services are a good fit if you:

• have $200,000 or more in liquid assets
• want an advisor who is both required and motivated to do what's best for you
• need help in planning for retirement, college, a new home and other major life events affected by your finances
• want to make the most of your investments (i.e., maximize return)
• want to reduce your investment risk
• don't have the time, interest or discipline that it takes to read prospectuses, monitor your investments, watch the markets and rebalance your portfolio
• are comfortable delegating (we won't invest in "hot" tips)
• have realistic expectations (unrealistic would be, "I want to make 30% every year, but I can't tolerate short-term losses.")

We offer our Wealth Management Services to a limited number of clients who, at the minimum, meet the above criterion.

What You Can Expect

When you sign up for our wealth management services, we will:

• listen to you and respect your needs
• take an assessment of your current financial situation
• work with you to develop a realistic, workable financial and investment plan based on your goals & objectives
• assist you in implementing your plan
• provide seamless, ongoing management of your investment portfolio, using both active and passive investment strategies
• send you quarterly investment statements
• coach and educate you on how to make conscious, purposeful decisions about your finances
• keep you on track with periodic meetings where we review your finances, progress towards your goals and assistance in implementing any modifications to your plan
• be available to answer any questions about your finances

Our Wealth Management fees are charged in arrears and range from 0.80% to 1.00% per year, based upon the value of your investment portfolio:

Contact us to see for yourself that, when we say we're different, we mean it.

We define liquid assets as anything you can quickly convert to cash.  In general, it’s the total of your checking + savings + CDs + IRAs + 401ks + 529s + taxable investment accounts.