Broker Check

A Fee-Only Firm

As a fee-only firm, our only income is from you, our client, not investment companies or insurance carriers. With a fully transparent fee structure, you always know what you are paying. As a result, we have no inherent conflicts of interest or biases. We conduct our business under a fiduciary duty and are held to strict codes of professional and ethical conduct.

How Fees are Calculated

Our fees are calculated based on the nature of our work together. Your needs and goals will direct and drive our work, beginning with our initial phone interview. We will discuss your circumstances and goals, and we'll share a proposed partnership in more detail, which entails how we can help you work toward your goals and ideal future.

We charge fees either on a fixed fee basis for a defined project (e.g., a retirement plan, a full financial plan, or financial fitness review or update to prior work we’ve done together) or as an annual retainer for ongoing planning and investment advice/management. Factors we use in calculating fees include the complexity of your situation, the amount of time each of our team member is projected to spend, the number of meetings, phone calls, and emails, the level of service you select, and the size and types of your investment accounts.

Investment advisory fees are in addition to financial planning fees so that you are paying for only what you need.

One-Time Planning Projects

Fixed fees start at $3,500 for a general financial fitness review project and the typical fee is $4,900 for a single person and $5,500 for a couple. Over the course of one meeting and a follow up email, we will cover some of the core areas of financial planning, such as saving for key goals (retirement, a home, or college), uncovering possible risk areas to your financial future, help you with investment selection, and answering some of your key questions. Together, we’ll develop a financial map and action plan with recommendations for you to implement in order to achieve your financial goals. You can choose to add additional meetings for more comprehensive work and more support.

For a more in depth planning project, fees start at $5500/$6500 and includes additional time for meetings and research to delving more deeply into your financial planning, retirement planning, college planning, budgeting and savings goals, and/or investment plan. We'd have more time to discuss insurance and estate planning, employee benefits, and other important questions for your future.

Fees for a full financial plan project with investment advice range between $7,500 and $9,500 depending on the complexity of your particular situation and what you would like to include in your plan. Together, we’ll develop a strategy and prepare detailed action steps to guide you in implementing your plan.

Ongoing Advisory Services

We also offer planning and investment advice/management on an ongoing basis, with the shortest duration being an initial 12-month engagement. Under an annual retainer, we can address the full range of your planning goals, assist you in implementing our recommendations, and respond quickly to any changing circumstances.

After we complete your financial planning project or our first year retainer, you have the option of entering into an ongoing retainer, starting at $500 per month for planning services and investment advisory/management services starting at $2,500 per quarter.

Investment Management

Investment management is offered to you under annual retainer arrangements and fees are based on factors such as the number of accounts, asset size, and types of your investments. We manage client assets at TD Ameritrade, Vanguard, and TIAA.