How are you different?

Our goal isn’t necessarily to be different. It’s to be better. If you want to hire someone who sells products and always tells you what you’re hoping to hear, that’s not us. We let the independent research guide our advice, all backed by a client’s individual circumstances explained in plain English.

What are your fees?

Read all about fees HERE.

How does ESG screening work?

We use specialized software that sources data from NGO watchdog groups, government stats, academia, and the SEC on thousands of mutual funds & ETFs to determine how a particular fund scores. Top scores are filtered to determine which funds show acceptable performance against a benchmark, exhibit low costs, follow their stated index, and are tax efficient.

What if I want a financial plan but don’t have $750,000 to invest?

We don’t offer stand-alone financial plans without committing to our new client investment minimum. However, contact us anyway. Potential exceptions can be made for households approaching our minimum. Alternatively, we know a handful of financial advisors we could refer you to.

How often would we meet?

We believe in respecting your time. In our world, more meetings doesn’t equal more value. Clients are on a seasonal client service schedule. This means we’ll proactively reach out when it’s time for your review, an accountability check-in, and at tax time. In the meantime, all your portfolio metrics and financial plan are available online 24/7, updated daily.

Do I have to invest all my money with you?

No, but that means we won’t end up working together. There are three reasons we stick to this rule. First, some folks believe they’re benefiting by using more than one financial advisor. What ends up happening is dysfunction between the typical sales-centric advisor versus our advice. Second, if you want to be a DIY investor as a hedge against what we recommend, not only do we rarely see cases where a DIY investor can do better on their own but it also robs another potential client of your spot in the limited amount of clients we serve. Last, if we haven’t earned your complete trust to manage your full suite of investment assets, then we don’t deserve any of your business.

What information do I have to share with you?

You wouldn't ask your doctor for health advice without discussing your medical background, right? Same thing with money. To set up an account and deliver financial advice, industry regulations require us to collect basic information such as social security numbers, income, email addresses, phone numbers, and home addresses. For regular updates to your financial plan and tax overview, we expect clients to share items such as estate docs, your most recent tax return, 401(k) statements, insurance policies, Social Security statements, HSA statements, health insurance policies, bank statements, workplace benefit summaries, and any other info material to your finances.

What if I don’t agree with your advice?

You are free to choose your own adventure. We are not dictators. All we ask is that you have the courage to express your feelings and explain your rationale. We'll listen to your perspective. Often, a solution or alternative recommendation can be found and agreed upon.