We know you have questions, and financial planning can be difficult. We hope these questions are top of your mind, but if you have more questions, don't hesitate to reach out to us — we answer our phones.
Our core advisory service operates by a fixed, flat fee based on the complexity of our client’s financial lives. Because of this, we don’t require a minimum account size and our clients don’t need to move accounts from their preferred custodian. The fee also allows us to provide value for the advice alone, separate from the active trading of client accounts. Please contact us so that we can give you a pricing quote specific to your needs.
We don’t sell financial products such as mutual funds and we don’t receive commissions for recommending any other companies’ services. Financial products are needed to carry out a financial plan, but being goal-driven means that products come last, not first. As the saying goes, “Everything looks like a nail when you sell hammers”. Appropriate financial products will be implemented as dictated by your unique financial context.
While we can’t disclose our specific clients, we can tell you that our typical clients are highly successful leaders in their field, often working in science, technology, engineering, or mathematics. Our clients include doctors who own their own private practice, tenured professors from top universities, entrepreneurs who have had successful exits, and highly-compensated young professionals preparing for a lifetime of wealth-building.
The bottom line— you do. You maintain full control of your assets and investments, as you see fit. We do offer discretionary portfolio management services where we directly and actively trade client accounts, held at an independent custodian (Schwab or Interactive Brokers) for your convenience—but only if you choose. Either way, you will always have full transparency and access to make the decisions that are best for you.
We make money in two ways. Primarily, our clients pay us for our analytics-powered advice, delivered through the personalized relationship that comes from a trusted advisor. This is paid to us in a flat, fixed, quarterly fee. In addition, if our clients ask us to manage some, or all of their assets, we earn a fixed percentage of those assets under management (AUM).
Our analytics software is a tax-smart platform with which we seek to deliver an effective tax strategy to increase your lifetime tax efficiency. We do not act as a tax attorney, provide legal advice, prepare, or file your taxes. If you need a tax attorney, certified public accountant, or tax preparer, we can recommend specialized tax and accounting partners that we will work closely with to implement your optimized tax plan and help you file your taxes.
We believe a true financial advisory relationship begins by developing a shared vision of what is important to the client and how that translates into specific financial goals over their lifetime.