Who We Serve...

What We Charge

  • We are fee-ONLY. We are paid only by our clients to perform our duties as fiduciaries in all matters without exception. There are no commissions, sales incentives, kick-backs, or any third-party compensation as is the case of “fee-based” arrangements.

  • We are compensated based upon how your portfolio performs, and not paid based on transactions.

  • We attempt to minimize all your costs such as trading fees, investment expenses, and taxes whenever advisable and possible to do so, while maintaining the level of service to which you are accustomed.

  • We get paid only for as long as you want us to advise you.

  • Our fees are fully disclosed in advance and easily tracked.

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When we say "we work for you," it is not a marketing slogan. It is a literal fact.

Fee Rates

We benchmark our fees periodically to make sure we believe this statement to be true: We are not expensive and you do not want cheap.

Given the breadth and depth of our expertise, the attentiveness of our service staff, and ever present fiduciary duty to our clients, our fees are more than fair.

With cheap, you get what you pay for – typically superficial (if any) planning, conflicted implementation, cookie cutter approaches, a lack of proactivity, limited responsiveness, limited scope, limited depth of thinking, limited expertise, and people who usually owe their allegiance to a third party and often don’t really know you.

Each client is unique, so fees must be determined by each situation. Prospective clients will receive a proposal outlining the services to be provided and the associated fees.

Clients with more than $1,000,000 in investment assets, regardless of what types of accounts are owned or at which financial institutions the accounts are held, pay us less than 1% per year. “Investment assets” are things such as stocks, bonds, options, mutual funds, ETFs, REITs, closed-end funds, UITs, and all types of deferred annuities. (We do not count real estate holdings or personal assets like furnishings, cars, and jewelry.)

For clients with less than $1,000,000 in investment assets, a percentage higher than 1% is possible.

Typically, we are engaged on an asset based fee, although alternate arrangements such as a flat project fee, an annual fee, or hourly consulting fee are available if better suited to the work.

Minimum Criteria for Becoming a Client

While we enjoy taking on new clients, serving our current clients remains our top priority. To provide the best advice and service to our clients, we believe it is necessary to limit the number of clients we serve. Accordingly, we have established minimum criteria for becoming a client.

We work with clients who are willing to...

  • Take advice.

  • Collaborate on high level strategy.

  • Consider our professional relationship as a long-term endeavor.

  • Thoughtfully participate in goal setting.

  • Delegate (not relegate) investment management.

  • Be cooperative and long-term partners.

  • Pay reasonable and customary fees.