Frequently Asked Questions

Our comprehensive approach to financial planning and wealth management differentiates us from other advisors. Further, unlike most other advisors, our professionals are also Certified Public Accountants, able to understand and help our clients with tax planning and compliance efforts. 

Instead of being paid by a third party to sell a particular investment or insurance product, we are completely independent and our only compensation is fees for professional services paid directly to us by our clients. 

The only compensation received by a Fee-Only advisor are fees paid directly by clients. We charge an asset management fee of up to 0.95% per year for investment management services. We may also charge an hourly fee for certain financial planning services.

A Fee-Only advisor is one who, in all circumstances, is compensated solely by the client, with neither the advisor nor any related party receiving compensation that is contingent on the purchase or sale of a financial product. We do not sell any financial products or receive commissions from any third party. This removes conflicts of interest and has us on the same side of the table as our client.

A fiduciary is a person who acts on behalf of another person (or people) to manage assets. A common type of fiduciary is a trustee of a trust. A person is typically appointed as a fiduciary because he has a high level of skill in handling the duties assigned to him. In handling these duties, the fiduciary is held to the highest standard of conduct, which is often referred to as the prudent person standard of care. This involves acting in the best interest of the clients or beneficiaries being served. It is one of the highest standards of care in the legal system.

A fiduciary’s standard of care involves acting in good faith and avoiding any self-dealing and conflicts of interest. As a Registered Investment Advsior with the SEC, we act as a fiduciary for our clients and are held to the prudent person standard of care in the services we provide.

We do not require a specific minimum value of asssets to work with clients. Instead, we believe that a client's attitude toward investments and accumulation efforts are more important than net worth or income. We take pride in working with clients of all sizes to help them grow their portfolio and achieve their individual financial goals.