There is a common misconception that the only function of an advisory firm is to manage money. While this is certainly part of what we do, it is only one small piece of the holistic planning relationship. Ironically, investment performance tends to be one of the least discussed items during our ongoing meetings as our relationships mature. This doesn’t mean it isn’t an important part of the plan, it just means that you may have more important priorities that affect your day-to-day life.

Comprehensive Planning is the core service that we offer and what we believe gives you the clarity to see the forest through the trees. This allows us to evaluate your current position and make recommendations to best align your financial resources with your personal goals. It is never too soon to begin planning, as doing so will help prepare you for just about anything that life can throw at you.

  • Asset Management: More than just security selection, our asset management program considers both side of the balance sheet through portfolio management, alternative investment review, debt service analysis and cash management solutions.
  • Retirement Planning: Retirement may be the biggest financial transition you experience in your life and often culminates after of decades of preparation. This time in your life will include a series of high stakes and irrevocable decisions – which you will be ready to address when the time comes.
  • Risk Management: Protecting against the adverse effects of a low-probability, high-impact event means you will be ready for even the worst-case scenario. Whether it is a long-term disability, premature death, lawsuit or car accident, your risk management plan should address the unexpected.
  • Tax Planning: With taxes being one of the largest expenses you will incur during your lifetime, we understand that the best planning is proactive planning – many times over a period of several years.
  • Education Funding: Education costs have been steadily increasing for decades. Effectively planning for and funding this unknown future liability for your child or loved one requires tactical decisions as things change over time.  
  • Estate Planning: Covering matters of both life and death, estate planning may involve addressing considerations around incapacity, gifting, business succession and charitable giving in addition to death and wealth transfer. Proper planning addresses who is responsible for executing on your wishes and provides them with a decision-making framework to ensure the right people are empowered to make the best decisions for you and your family.

It all sounds good… how do you get paid?

We are a fee based advisory firm. We are compensated in two ways:

  • Onboarding Fee: This covers the very first stage of our relationship – constructing your financial plan. Amounts vary based upon complexity, but our minimum fee for planning work is $3,000.
  • Wealth Management Fees: Our wealth management fees are designed to cover the ongoing cost of our comprehensive wealth and portfolio management services after the initial planning work has been completed. This means we will continue to monitor your financial situation and proactively make recommendations after the initial planning/onboarding has been completed. You’ll benefit from our continued guidance that will keep you on track as your life develops.
    • Fees may be calculated in one or a combination of the following ways depending upon what is most appropriate for each unique circumstance:
      • As an annual percentage of the assets that we manage
      • In the form of retainer/subscription fee arrangement

Regardless of how we are paid, our minimum annual fee is $5,000. The fees you pay to our firm are always clearly communicated, transparent, and fully disclosed.