Services
Four disciplines, three ways to work with us. One transparent fee, no products, no surprises.
How we think about advice
We don't try to be everything. We are fee-only fiduciaries who do four things well and refuse the commissions that would compromise them.
Most of the financial industry is organized around selling. Advisers are paid when you buy an annuity, a loaded fund, or a policy, so the advice quietly tilts toward whatever pays. We built this firm the opposite way. We accept no commissions and hold no products of our own, which leaves us with only one thing to offer: judgment that is genuinely on your side. When the incentive to sell is gone, planning, investing, estate, and tax stop competing and start reinforcing one another.
Our fee reflects that clarity. You will see exactly what you pay on a single page — a flat planning fee or a simple percentage of the assets we manage, with nothing buried in a fund expense ratio or a trailing commission. Before we manage a dollar, we agree on the scope and the number in writing. The figures below are starting points, not quotes; the precise fee depends on the complexity of your household, and we will always show our work.
Disciplines
Most households combine several of these. After our first conversation we'll recommend the right mix for where you are.
The map everything else is measured against.
A plan is more than a retirement number — it is the whole picture of a household over time. We model your cash flow, goals, and the trade-offs between them, then update the plan as life moves so every later decision has a reference point to answer to.
Portfolios built to be held, not traded.
We build globally diversified, low-cost portfolios matched to your risk tolerance and time horizon. There is no market timing and no stock-picking theatre — just disciplined allocation, patient rebalancing, and a clear reason behind every position you own.
Wealth that passes the way you intend.
Great planning does not stop at your lifetime. We coordinate wills, trusts, beneficiaries, and gifting with your attorney so your estate transfers smoothly, privately, and with as little tax and family friction as the law allows.
Keeping more of what you earn and own.
Taxes are the largest cost most investors never manage. We coordinate asset location, tax-loss harvesting, Roth conversions, and withdrawal sequencing with your CPA so the plan is efficient not just this year, but across the decades that matter.
Engagements
Pricing is indicative — every household is quoted precisely once we understand the full picture.
| Engagement | Plan | Manage | Family Office |
|---|---|---|---|
| Fee | from $4,500 | 0.85% / year | Custom |
| Best for | A one-time, comprehensive financial plan | Ongoing planning plus investment management | Complex estates and multi-generational wealth |
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Process
Every engagement follows the same four movements. There are no product pitches and no surprises — just a steady, transparent path you are part of the whole way through.
A candid conversation about your household, your goals, and what financial security actually means to you. We ask far more than we tell, because a plan is only as good as the understanding behind it.
We build your plan and, where it applies, your portfolio — modeling the trade-offs, stress-testing the numbers, and writing down the strategy so you can see exactly why each recommendation is made.
We put the plan to work: opening and funding accounts, coordinating with your CPA and attorney, and handling the paperwork so nothing falls between advisers. You approve every step before it happens.
Life changes and so do markets. We meet regularly to rebalance, harvest taxes, and adjust the plan as your circumstances evolve — because the work only matters if it keeps pace with your life.
Questions
It means we are paid only by you — a flat planning fee or a percentage of the assets we manage — and never by commissions, product sponsors, or referral kickbacks. We hold no proprietary funds and sell no insurance. That removes the conflicts that quietly shape most financial advice.
Tell us where you are and where you'd like to be. We'll come back with a plan and a clear fee.