Living Your Best Financial Life Begins with Your Relationship with Your Money.

We approach financial planning as a collaborative process that takes you through the following steps:

  1. Clarify the purpose of your money

  2. Align your values with your wealth

  3. Assess your resources and assets

  4. Actively discuss your options and opportunities

Your plan will be flexible and adaptable to your life, reflecting the milestones you will achieve and the challenges you will face.  As our relationship continues, we will monitor and update your financial plan to serve your changing needs.  

Once your plan is clearly laid out, the next step is to ensure your investment strategy coordinates with that plan and is created according to your unique life.

A Different Approach to Financial Planning

“Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.”

— Paul Samuelson (May 15, 1915 – December 13, 2009), American economist, the first American to win the Nobel Memorial Prize in Economic Sciences

Creating your financial plan and investment strategy is just the beginning. To remain proactive, our process continuously plans for the expected and prepares you for the unexpected.

Our balanced investment process will explore the importance of the following elements in your wealth strategy:

  1. Impact - Family, Community, Legacy

  2. Life - Wellness, Comfort, Values/Causes, Transitions

  3. Goals - Retirement, Health, Charity, Education

  4. Money - Asset Selection/Location, Tax Minimization, Income Generation

Once we discuss your beliefs about money and its purpose in your life, we’ll build a balanced strategy employing evidence-driven investing that aligns with your future goals.

Evidence-driven investing is backed by more than 80 years of peer-reviewed financial research and market studies. Its approach is rooted in smart diversification, low investment costs, and minimizing risks.

After the initial strategy is put in place, we work continuously to ensure your investment portfolio is finely tuned through active monitoring, rebalancing, and optimization when necessary.

Investing That Reflects Your Priorities

Pricing

There is no required minimum account balance to engage in investment management services. However, there is a minimum annual advisory fee starting at $5,000 for individuals and $7,000 for couples.

The annual fee for investment management services is based on a percentage of assets under management. Clients will pay the greater of the minimum annual fee and the annual fee for investment management services according to the schedule below.

FAQs

  • This term refers to the relationship between two parties that is founded on ethics and trust. The fiduciary possesses knowledge and skills the other party does not. They enter into the relationship with the understanding that the fiduciary will act and advise in the other party’s best interest.

  • Fee-only financial planners are registered investment advisors with a fiduciary responsibility to act in their clients' best interest. They do not accept any fees or compensation based on product sales. Fee-only advisors have fewer inherent conflicts of interest, and they generally provide more comprehensive advice.

  • The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients.

  • The Chartered Financial Analyst® (CFA®) credential is the most respected and recognized investment designation in the world. The curriculum covers academic theory, current industry practice, and ethical and professional standards to provide a strong foundation of advanced investment analysis and real-world portfolio management skills. A work experience requirement and an annual attestation to ethics ensure career long professional excellence by those who have earned the charter.