Our fees are clearly stated and made known upfront. We charge a percentage of the assets we manage for you. It is based on a downward sliding scale. This means the percentage appliead to calculate the fee will decrease as the level of assets increases. The initial fee for assets under our mangement up to $1 million does not exceed 1% per year. The fees are assessed quarterly and based on the asset level at the end of the quarter.

There are no other fees we charge other than what is explained above. There are other fees associated with the funds you own as well as trading commissions in certain circumstances. Fund fees are paid to the fund sponsor and trading commissions, if applicable, are charged by the broker that executes the trade. We are mindful of client assets and choose ETFs (exchange-traded funds) with low fees relative to the average for the asset category. We monitor the ETF universe to make sure fees are appropriate for the desired asset class exposure and fund methodology. For transactions involving individual securities (as opposed to buying a fund), a broker handles the trade and will charge a commission. All the analysis, reporting, advise, planning, and collaboration with other professionals regular communication are all included in our advisory fee. We do not have a "menu" of offerings.

We do not have a hard threshhold. While our fee structure is geared towards clients with assets in the millions, we have several clients with less than that. Ultimately, whether we work with a client (and they desire to work with us) is determined by each party and the specifics of the situation. If both parties feel it will be beneficial, the asset level should not be a determing factor. We are open to having a conversation if you are curious to know more. Individuals just beginning to accumulate savings and investable assets would benefit from an initial consultation. Building wealth is a long-term process and financial advisory services are not just for those that already have a high asset base.

We are another member of you professional advisory team. We often collaborate with accountants, attorneys, and other advisors for clients that have more complex needs. We are not accountants nor lawyers, but can work in tandem with them. Our financial planning and investment mangement carefully considers clients' tax situations. A certified tax professional should prepare tax returns. We have also helped clients with charitable giving and estate planning, but an attorney should draft and review all legal documents.