How can we help you?
- Accountability: We help clients follow through with their financial commitments by working with them to prioritize goals, guide them in the steps they need to take, and regularly review their progress towards achieving them. Accountability also means helping clients stay the course during periods of market volatility.
- Education: After thoroughly understanding the client’s situation and their long-term financial goals, we educate clients on the rationale behind our recommendations in language they understand.
- Transparency: Clients should expect transparency, full disclosure of fees, and full disclosure of any potential conflicts of interests.
- Experience & Expertise: Clients look to our team of credentialed professionals to implement planning and investment solutions that can be used to improve client outcomes. Together, our three-person advisory team has over fifty-five years of experience and holds the following credentials: CERTIFIED FINANCIAL PLANNER™, Certified Investment Management Analyst SM, and Chartered Financial Consultant®. All three credentials require continuing education so clients receive best practices across financial planning and investment management.
When we profit, so
Portfolio management fees are charged as a percentage of assets under management based upon the fee schedule below.
Account Value Annual Fee
Up to $500,000 1.00%
Over $5,000,000 0.30%
Portfolio management fees are typically calculated on a tiered basis. This means that the first $500,000 is charged 1%; the next $500,000 is charged 0.80%; the next $1,000,000 is charged 0.70% and so on.
Financial planning services are billed a separate fee based upon the amount of hours involved with producing a financial plan. All initial consultations with new clients are complimentary.
We're with you every step of the way.
Successful client outcomes are built upon a strong client-advisor relationship and strong client-advisor relationships are built upon communication. Our professional standard of personalized service is consistent across every client engagement and seeks to produce an exceptional client experience. Our consultative process usually unfolds over a series of meetings:
At the discovery meeting, clients will have the opportunity to learn more about our firm & its history, our services & capabilities, and our investment philosophy. After this introduction, the focus of the meeting then turns to the client, where we try to gain a thorough understanding of client goals, objectives, and attitudes towards risk.
Investment Plan Meeting
At the investment plan meeting, we incorporate the information provided in the discovery meeting, recommend an asset allocation that is appropriate for the client, and present our investment recommendations. We will also review the investment policy statement, which formally describes the investment philosophy and strategies that guide our asset management process.
Regular Progress Meetings
At the regular progress meetings, typically held quarterly, we will give clients an informed perspective of recent economic & market activity, report performance, review asset allocations, and discuss any important changes in the client’s circumstances that might call for an adjustment to their investment plan.