NO. As your Household CFO, we want to be the first contact you make with anything pertaining to your finances. We will schedule at a minimum 2 review meetings per year, but it’s typical we meet on average, once per quarter after the initial 3-month onboarding plan.
Absolutely not. While we think it’s important to work with a Planner who shares similar core beliefs and values (as money is intricately connected to those beliefs and values), we understand many people who do not identify as Christian share those similar values, and they are wonderful clients as well!
You reap the benefit of integrated, done-for-you financial planning, investment management, tax preparation, and complete coordination of your financial life. You get ongoing planning, help with the implementation of recommendations we make, and a dedicated professional financial expert on retainer at all times.
Intentionally, no. The accounts we help you establish are your accounts and in your name – we simply add ourselves on as the Advisor so we have authority to help with paperwork, execute trades/rebalancing, establish letters of instruction for money-movement amongst your accounts, and service your accounts. We utilize Charles Schwab as our primary custodian
We believe investors are constantly and instantaneously ‘pricing-in’ the latest information (and what that information means for the future) into current financial market prices. We do not believe in attempting to time markets, and we cannot control market performance. While we wish this were not the case, the data and empirical evidence are too strong to ignore in this regard.
We focus on the intersection of 1) what matters most; and 2) what we can control – things like: your asset allocation (mix of various types of investments), spending and savings habits, asset location (what types of investments to put within which type of account), minimizing drags on performance (utilizing tax-efficient, low expense ratio ETF’s and Mutual Funds, avoiding constant, unnecessary trading, and executing prudent, disciplined rebalancing in a tax-efficient manner). Over extended time periods, we believe financial markets will reward disciplined investors who, in the words of Nassim Taleb, “invest in preparedness, not prediction”.
YES. We specifically call out we are a Fiduciary in our Client Agreement, and never ‘take off our Fiduciary hat’ given we don’t sell any products or receive any commissions.
As a Fee-Only firm, the ONLY way we get paid is via the flat fees we agree upon with our clients. No product-pushing, commissions, surrender-charges, lock-ups, or shenanigans here!
No – our quarterly flat fees start at $1,000 per quarter and increase with additional complexity. Our pricing model is uniquely structured so we can work with H.E.N.R.Y.’s (High Earners, Not Rich Yet) or more established households.
No, we are an independent Registered Investment Advisor.
Yes, we have the ability to work virtually in all 50 states thanks to our use of best-in-class technological software, but we also love getting together in-person whenever available for both parties!
