FAQ
With a flat cost for service based upon gross income. We strongly believe in transparent and fixed annual costs so you know exactly how much you will pay. Please go to our Services & Costs page to find out more.
Never. We are required to have a client agreement on file for project and program clients just to clarify the details; however, you can stop working with us at any time. Many clients come in asking for help on a short term project and realize they would appreciate assistance in more areas. Whether you need one time or ongoing help we are here to provide service in any way you need.
We don’t believe in charging a % of assets we manage because it creates inherent conflicts of interest. This fee structure also promotes a barrier to entry for people who don’t have the minimum assets required to get assistance. We charge with a scale that is based upon gross income. Simply put, add up what your family makes in earned wages, pensions, IRA distributions, etc annually. From there go to our Services & Costs page to figure out exactly what you will be charged.
Nope. Our firm is different than most other financial services firms. By charging on a transparent scale based upon gross annual income, instead of a percentage of your portfolio, we get to include (instead of exclude) a large part of our community.
We usually recommend Vanguard or Shareholders Services Group as a custodian for non-employer plans because of their customer service and low cost. If you have an active employer plan then that account is captive and will have to stay where it is. Regardless of where your assets are held, you will always have instant online access to your money at each custodian. With us you will have a customized client portal to see your net worth, budget, and financial life all in one place.
We think working with us versus doing it yourself is like doing an engine rebuild on your car. You could watch YouTube videos, read articles, buy the needed tools, ask a mechanically inclined friend for assistance, etc. Doing it yourself might save you money in the short term but it will also probably take a lot of time, cause stress and frustration, and result in missing things you didn’t know to look for.
Some people are naturally gifted with numbers and money. You could do this on your own but you don’t have to. We want to be your Chief Finance Officer who keeps up on investments, economics, news, legislation changes, and deadlines which frees up your time for other things. We are a phone call or email away to answer all your questions. Let us do the work, so you don’t have to.
Within non-employer plans we use mutual funds that are highly rated, low cost, and diversified by sector and globally to regulate the risk associated with concentrating funds into a singular market. You will have a personalized investment strategy policy that includes individual timelines and objectives. For employer plans we will select the best funds within your employer sponsored plans that also align with your investment strategy.