FAQs

Transparent Flat Fee. Our pricing is simple and makes sense. Our fees do NOT depend on how much money you have.

Focus on what matters most. We understand money is just a tool. We're here to help you get where you want to be in life. We don't have anything to sell you. We don't have any minimums. We don't make any commissions. We don't charge based on how much money you have. We're here to do what's right for you, plain and simple.

Limited number of clients. Big box firms load advisors with several hundred clients. We don't. Having fewer clients allows for higher quality service and focused attention to your needs. You'll never be just a number with us. 

Core Values. We only want to work with people who share our core values. Honesty. Loyalty. Transparency. Authenticity. Kindness.

Yes, we believe you deserve a true fiduciary at a price. So we give you a signed fiduciary oath and only charge a flat rate.

No. We serve clients virtually across the country.

No. We hope to create lifelong relationships with our clients, but we understand that circumstances can change. Our clients are free to leave anytime, and we will gladly assist with any account transfers.

As evidence-based investors, we encourage clients to use low-cost index funds from a variety of providers, including Vanguard, Blackrock, Schwab, and Dimensional Funds.

No. As a fee-only advisor, our only source of compensation is client advisory fees. We don't earn any commissions or hidden fees from any investment or insurance product providers.

No. We don't employ any market timing or tactical asset allocation methods.

However, we may encourage clients to take advantage of market fluctuations through prudent investment rebalancing, Roth IRA conversions, tax loss harvesting, etc.

No, we seek to meet clients where they are. We collaborate with all clients to manage legacy investment holdings using prudent risk management and tax efficiency. We are cognizant of the fact that a variety of factors (e.g. embedded capital gains) can influence portfolio management decisions.

Yes. While we specialize in retirement income planning, we are a wealth planning firm first and foremost. As a result, we have many clients not yet close to retirement.