Frequently Asked Questions

We serve high-net-worth individuals and families, accepting new engagements with a minimum of $2.5 million in investable assets. Many of our clients have a net worth in excess of $5 million and are looking for experienced, strategic guidance as they navigate retirement and plan for their legacy.

Our work goes well beyond portfolio management. We provide integrated advice on retirement income planning, tax strategy, estate and legacy planning, charitable giving, and coordination with your other advisors.

We build tax-efficient withdrawal strategies that align with your goals and evolving lifestyle needs. We pair this distribution strategy with other forms of income including Social Security and pensions. Our goal is to create sustainable income to fund your lifestyle while preserving long-term wealth.

We believe in a disciplined, long-term approach rooted in evidence-based investing. Portfolios are tailored to each client’s needs using primarily low-cost index funds and are proactively managed to stay aligned with their goals.

No. We ask to manage all of your investable assets because we hold ourselves accountable for your retirement outcome. Having full discretion allows us to implement coordinated, tax-efficient strategies and make timely investment decisions across your entire portfolio. We will assist with investment selection in current employer retirement plans, but outside of that, we have found it at best counterproductive and at worst detrimental to client success to manage only a portion of assets.

We proactively identify tax-saving opportunities through strategies like asset location, tax-loss harvesting, charitable giving, and withdrawal sequencing. We will request copies of your completed tax returns to identify future planning opportunities. Tax planning is fully integrated into your overall financial plan and is never treated as an afterthought.

Yes. We help you structure your estate plan to align with your goals, minimize taxes, and simplify wealth transfer. We then coordinate closely with your attorney and other professionals to ensure your plan is well executed and up to date. We also help with account retitling and beneficiary updates, understanding that effective implementation of your estate plan is as important as drafting and signing the documents.

Absolutely. We often serve as the “financial quarterback” or “family CFO” to help coordinate among your professional advisors to ensure all aspects of your financial life are working in sync.

We are a fee-only firm, which means that the only compensation we receive comes directly from our clients (never from commissions, product sales, or third-party incentives). We believe this model offers the highest level of transparency and objectivity, minimizing conflicts of interest and reinforcing our fiduciary commitment to always act in your best interest.

As fiduciaries, we are legally and ethically required to always act in your best interest. That standard applies to every recommendation we make, with full transparency around fees, conflicts, and rationale. It is important to note that not all financial professionals are bound by this standard.

We meet formally twice per year (spring and fall), but we are available year-round for planning needs or unexpected life events. Clients appreciate knowing they can reach out anytime and receive thoughtful, timely advice.

We deliberately serve a limited number of clients so we can be responsive, thorough, and fully engaged. Our advanced credentials, fiduciary commitment, and deep client relationships set us apart.

Our process is designed to ensure that we are the right fit for each other and that we can add meaningful value to your financial life. It includes four clear steps:

1. Introductory Call (30 minutes): A short conversation to learn about each other and confirm alignment in expertise and needs.
2. Discovery Meeting (60 minutes): A deeper discussion about your financial life, priorities, and what you want to accomplish.
3. Personalized Assessment (60 minutes): We present our initial findings and show how we would approach your planning and portfolio.
4. Consider and Commit: You take time to reflect on our recommendations, ask final questions, and decide if it makes sense to move forward with a partnership.

This process is collaborative and pressure-free. Our goal is to give you real insight and clarity so you can make an informed decision.

Once you decide to move forward, we guide you through a seamless onboarding process, including account transfers, paperwork, and implementation. Our goal is to make the transition smooth, thoughtful, and stress-free.