Answers to common questions about our advisory services, fees, and how we work with clients. Can’t find what you’re looking for? Reach out directly.
Registration with the Securities and Exchange Commission (SEC) means our firm has met specific regulatory requirements and is subject to ongoing oversight. It does not imply a particular level of skill or training, but it does mean we are held to a fiduciary standard — we are legally obligated to act in your best interest.
Yes. As an SEC-registered investment adviser, we have a fiduciary duty to our clients. This means we must always place your interests ahead of our own, provide full disclosure of any conflicts of interest, and seek the best execution for your transactions.
Our Form ADV Parts 1 and 2, which contain detailed information about our firm, fees, services, and disciplinary history, are available on the SEC’s Investment Adviser Public Disclosure (IAPD) website. We also provide a copy upon request and at the start of every advisory relationship.
We are compensated through asset-based management fees calculated as a percentage of assets under management. We do not receive commissions on trades or product sales, which helps minimize conflicts of interest. Our fee schedule is detailed in our Form ADV Part 2A.
Our standard minimum for new advisory relationships is $500,000 in investable assets. In certain circumstances, we may consider lower minimums at our discretion. Contact us to discuss your specific situation.
We use independent, qualified custodians to hold client assets. Your money and securities are held in your name at the custodian — we never take possession of client funds. This provides an important layer of protection and transparency.
We handle the transfer process for you through an ACAT (Automated Customer Account Transfer) request. Most transfers complete within 5–10 business days. During the transition, we review your existing holdings and develop a tax-efficient plan for repositioning into our recommended strategy.
Yes. We manage traditional IRAs, Roth IRAs, SEP-IRAs, and 401(k) rollovers. We can help you evaluate whether a rollover is appropriate for your situation and coordinate the transfer in a tax-efficient manner.
We take a long-term, evidence-based approach to portfolio construction. We build diversified portfolios using a blend of asset classes tailored to each client’s risk tolerance, time horizon, and financial goals. We emphasize disciplined rebalancing, tax efficiency, and keeping costs low.
Our core strategies primarily use institutional-class mutual funds and ETFs to achieve broad diversification at low cost. For larger accounts, we may incorporate individual securities where appropriate, particularly for tax-loss harvesting opportunities.
Risk management begins with a thorough understanding of your financial situation, goals, and risk tolerance. We construct portfolios with appropriate asset allocation, diversify across geographies and sectors, and rebalance systematically. We do not attempt to time markets.
Our management fee is calculated as an annual percentage of your assets under management, billed quarterly in arrears based on the average daily balance. Fees are debited directly from your custodial account with your written authorization. You will see the fee clearly stated on your custodian statement.
In addition to our advisory fee, you may incur costs from the underlying funds in your portfolio (expense ratios), custodial fees, and transaction costs. We strive to minimize these expenses and disclose them transparently. There are no hidden fees.
Yes. You may terminate our advisory agreement at any time with written notice. There are no lock-up periods or termination penalties. Fees are prorated through the date of termination, and any prepaid fees are refunded.
You will receive detailed quarterly performance reports showing your portfolio’s returns, asset allocation, and transaction activity. You also have 24/7 online access to your accounts through our client portal and your custodian’s platform.
We conduct comprehensive reviews at least semi-annually, with additional check-ins as needed. Life changes — a new job, inheritance, retirement, or market events — may prompt an interim review. You are always welcome to schedule a call or meeting.
Each client is assigned a dedicated adviser who serves as your primary contact. Our team-based approach means you also have access to specialists in tax planning, estate planning, and retirement income strategies when needed.
Your assets are held at an independent qualified custodian, separate from our firm. Custodial accounts are protected by SIPC insurance (up to $500,000 per account, including $250,000 for cash). Additionally, many custodians carry excess SIPC coverage. We never have direct access to withdraw your funds.
Because your assets are held at an independent custodian in your name, they remain yours regardless of what happens to our firm. You would simply need to select a new adviser or manage the accounts directly. Your assets are never commingled with firm assets.
We identify and disclose all material conflicts of interest in our Form ADV Part 2A. As a fee-only adviser, we do not receive commissions or referral fees from product providers. Our sole source of compensation is the advisory fee you pay, aligning our interests with yours.